Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | GREENSTATE Credit UnionCredit Union | Exceptional | Exceptional | Exceptional | Exceptional | $497Fees | 0.256%Below | 4,661 | |
2 | VERIDIAN CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Exceptional | $379Fees | 0.212%Below | 2,150 | |
3 | IOWA BANKERS MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Exceptional | Exceptional | Exceptional | $1,157Fees | 0.056%Below | 2,020 | |
4 | Hills Bank and Trust CompanyBank | Exceptional | Exceptional | Exceptional | Exceptional | $739Fees | 0.300%Below | 1,211 | |
5 | DUPACO COMMUNITYCredit Union | Exceptional | Exceptional | Exceptional | Exceptional | $1,475Fees | 0.266%Below | 653 | |
6 | Community Choice Credit UnionCredit Union | Exceptional | Exceptional | Strong | Exceptional | $1,105Fees | 0.264%Below | 527 | |
7 | Luana Savings BankBank | Exceptional | Exceptional | Strong | Exceptional | $697Credit | 0.193%Below | 436 | |
8 | RUHL MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Exceptional | Exceptional | Strong | $832Fees | 0.039%Below | 344 | |
9 | WEST GATE BANKBank | Exceptional | Exceptional | Exceptional | Strong | $1,060Fees | 0.088%Below | 248 | |
10 | I. H. MISSISSIPPI VALLEY CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Strong | $1,679Fees | 0.456%Below | 202 | |
11 | Central BankBank | Exceptional | Strong | Exceptional | Exceptional | $2,067Fees | 0.094%Below | 495 | |
12 | RESIDENTIAL MORTGAGE NETWORK, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | $1,199Fees | 0.017%Below | 424 | |
13 | Fidelity Bank & TrustBank | Exceptional | Exceptional | Strong | Strong | $745Fees | 0.586%Below | 211 | |
14 | GREATER IOWA CREDIT UNIONCredit Union | Exceptional | Exceptional | Strong | Strong | $243Fees | 0.252%Above | 144 | |
15 | Du Trac Community Credit UnionCredit Union | Exceptional | Exceptional | Strong | Strong | $1,028Fees | 0.162%Below | 132 | |
16 | LINN AREACredit Union | Exceptional | Exceptional | Strong | Strong | $586Fees | 0.046%Below | 116 | |
17 | Northwest BankBank | Exceptional | Strong | Strong | Exceptional | $1,074Fees | 0.073%Above | 900 | |
18 | Fortress BankBank | Exceptional | Strong | Strong | Exceptional | $1,548Fees | 0.271%Above | 452 | |
19 | MidWestOne BankBank | Exceptional | Strong | Exceptional | Strong | $839Fees | 0.010%Below | 288 | |
20 | Farmers State BankBank | Exceptional | Exceptional | Sound | Strong | $896Fees | 0.043%Below | 169 | |
21 | Bankers Trust CompanyBank | Exceptional | Exceptional | Sound | Strong | $440Fees | 0.296%Below | 121 | |
22 | ASCENTRA Credit UnionCredit Union | Exceptional | Exceptional | Sound | Strong | $600Fees | 0.031%Below | 111 | |
23 | BANKBank | Exceptional | Exceptional | Sound | Strong | $1,138Fees | 0.522%Below | 107 | |
24 | U.S. Bank National AssociationBank | Strong | Strong | Strong | Strong | $965Fees | 0.210%Above | 838 | |
25 | Lincoln Savings BankBank | Strong | Strong | Strong | Strong | $1,459Fees | 0.112%Above | 263 | |
26 | Fidelity BankBank | Strong | Strong | Strong | Strong | $1,403Fees | 0.225%Above | 238 | |
27 | Collins Community Credit UnionCredit Union | Strong | Strong | Strong | Strong | $786Fees | 0.092%Below | 211 | |
28 | NAVY FEDERAL CREDIT UNIONCredit Union | Strong | Exceptional | Sound | Sound | $648Fees | 0.573%Below | 135 | |
29 | Great Southern BankBank | Strong | Strong | Strong | Strong | $1,486Fees | 0.018%Above | 129 | |
30 | First National Bank of OmahaBank | Strong | Strong | Strong | Strong | $1,846Fees | 0.280%Above | 113 | |
31 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | $2,183Fees | 0.292%Above | 717 | |
32 | Wells Fargo Bank, National AssociationBank | Strong | Strong | Sound | Strong | $1,696Fees | 0.120%Above | 516 | |
33 | Empeople Credit UnionCredit Union | Strong | Strong | Sound | Strong | $732Fees | 0.241%Below | 273 | |
34 | FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | $1,922Fees | 0.355%Above | 229 | |
35 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | $3,069Fees | 0.452%Above | 155 | |
36 | Truist BankBank | Strong | Strong | Strong | Sound | $3,406Fees | 0.195%Above | 110 | |
37 | Farmers State BankBank | Strong | Strong | Sound | Strong | $1,001Fees | 0.533%Below | 106 | |
38 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,334Fees | 0.508%Above | 1,620 | |
39 | GERSHMAN INVESTMENT CORP.Independent Mortgage Company | Strong | Sound | Strong | Strong | $1,334Fees | 0.037%Below | 466 | |
40 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | $2,939Fees | 0.458%Above | 245 | |
41 | Bank IowaBank | Strong | Sound | Strong | Strong | $1,407Fees | 0.124%Above | 240 | |
42 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $2,005Fees | 0.100%Above | 175 | |
43 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Strong | $2,367Fees | 0.684%Above | 170 | |
44 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $3,419Fees | 0.475%Above | 164 | |
45 | CHARTER WEST BANKBank | Strong | Sound | Strong | Strong | $1,517Fees | 0.415%Above | 122 | |
46 | CBI Bank & TrustBank | Strong | Sound | Strong | Strong | $954Fees | 0.319%Above | 118 | |
47 | The Central Trust BankBank | Strong | Sound | Strong | Strong | $1,713Fees | 0.309%Above | 102 | |
48 | HOMESERVICES LENDING, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $2,443Fees | 0.278%Above | 504 | |
49 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,443Fees | 0.464%Above | 431 | |
50 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,353Fees | 0.633%Above | 269 |
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.