Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | GREENSTATE Credit UnionCredit Union | Exceptional | Exceptional | Exceptional | Exceptional | Exceptional | $497Fees | 0.256%Below | 4,661 | |
2 | VERIDIAN CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Exceptional | Exceptional | $379Fees | 0.212%Below | 2,150 | |
3 | IOWA BANKERS MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Exceptional | Exceptional | Exceptional | Exceptional | $1,157Fees | 0.056%Below | 2,020 | |
4 | Hills Bank and Trust CompanyBank | Exceptional | Exceptional | Exceptional | Exceptional | Exceptional | $739Fees | 0.300%Below | 1,211 | |
5 | DUPACO COMMUNITYCredit Union | Exceptional | Exceptional | Exceptional | Exceptional | Exceptional | $1,475Fees | 0.266%Below | 653 | |
6 | Community Choice Credit UnionCredit Union | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $1,105Fees | 0.264%Below | 527 | |
7 | WEST GATE BANKBank | Exceptional | Exceptional | Exceptional | Exceptional | Strong | $1,060Fees | 0.088%Below | 248 | |
8 | Northwest BankBank | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,074Fees | 0.073%Above | 900 | |
9 | Luana Savings BankBank | Exceptional | Exceptional | Strong | Strong | Exceptional | $697Credit | 0.193%Below | 436 | |
10 | RUHL MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Exceptional | Strong | Exceptional | Strong | $832Fees | 0.039%Below | 344 | |
11 | Fidelity Bank & TrustBank | Exceptional | Exceptional | Strong | Exceptional | Strong | $745Fees | 0.586%Below | 211 | |
12 | I. H. MISSISSIPPI VALLEY CREDIT UNIONCredit Union | Exceptional | Exceptional | Strong | Exceptional | Strong | $1,679Fees | 0.456%Below | 202 | |
13 | Central BankBank | Exceptional | Strong | Strong | Exceptional | Exceptional | $2,067Fees | 0.094%Below | 495 | |
14 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $965Fees | 0.210%Above | 838 | |
15 | Fortress BankBank | Exceptional | Strong | Strong | Strong | Exceptional | $1,548Fees | 0.271%Above | 452 | |
16 | Farmers State BankBank | Exceptional | Exceptional | Sound | Strong | Strong | $896Fees | 0.043%Below | 169 | |
17 | GREATER IOWA CREDIT UNIONCredit Union | Exceptional | Exceptional | Sound | Strong | Strong | $243Fees | 0.252%Above | 144 | |
18 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Sound | $648Fees | 0.573%Below | 135 | |
19 | Du Trac Community Credit UnionCredit Union | Exceptional | Exceptional | Sound | Strong | Strong | $1,028Fees | 0.162%Below | 132 | |
20 | LINN AREACredit Union | Exceptional | Exceptional | Sound | Strong | Strong | $586Fees | 0.046%Below | 116 | |
21 | First National Bank of OmahaBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,846Fees | 0.280%Above | 113 | |
22 | Wells Fargo Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $1,696Fees | 0.120%Above | 516 | |
23 | RESIDENTIAL MORTGAGE NETWORK, INC.Independent Mortgage Company | Exceptional | Strong | Sound | Strong | Exceptional | $1,199Fees | 0.017%Below | 424 | |
24 | MidWestOne BankBank | Exceptional | Strong | Strong | Strong | Strong | $839Fees | 0.010%Below | 288 | |
25 | FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,922Fees | 0.355%Above | 229 | |
26 | Great Southern BankBank | Exceptional | Strong | Strong | Strong | Strong | $1,486Fees | 0.018%Above | 129 | |
27 | Bankers Trust CompanyBank | Exceptional | Exceptional | Sound | Sound | Strong | $440Fees | 0.296%Below | 121 | |
28 | ASCENTRA Credit UnionCredit Union | Exceptional | Exceptional | Sound | Sound | Strong | $600Fees | 0.031%Below | 111 | |
29 | Truist BankBank | Exceptional | Strong | Exceptional | Strong | Sound | $3,406Fees | 0.195%Above | 110 | |
30 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,334Fees | 0.508%Above | 1,620 | |
31 | GERSHMAN INVESTMENT CORP.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,334Fees | 0.037%Below | 466 | |
32 | Barrington Bank & Trust Company, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $2,332Fees | 0.325%Above | 315 | |
33 | Empeople Credit UnionCredit Union | Strong | Strong | Strong | Sound | Strong | $732Fees | 0.241%Below | 273 | |
34 | Lincoln Savings BankBank | Strong | Strong | Sound | Strong | Strong | $1,459Fees | 0.112%Above | 263 | |
35 | Collins Community Credit UnionCredit Union | Strong | Strong | Strong | Sound | Strong | $786Fees | 0.092%Below | 211 | |
36 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,419Fees | 0.475%Above | 164 | |
37 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,069Fees | 0.452%Above | 155 | |
38 | Farmers State BankBank | Strong | Strong | Sound | Strong | Strong | $1,001Fees | 0.533%Below | 106 | |
39 | The Central Trust BankBank | Strong | Sound | Exceptional | Strong | Strong | $1,713Fees | 0.309%Above | 102 | |
40 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,183Fees | 0.292%Above | 717 | |
41 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $2,005Fees | 0.100%Above | 175 | |
42 | CHARTER WEST BANKBank | Strong | Sound | Strong | Strong | Strong | $1,517Fees | 0.415%Above | 122 | |
43 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Sound | $1,581Fees | 0.098%Above | 111 | |
44 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $1,427Fees | 0.522%Above | 101 | |
45 | HOMESERVICES LENDING, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $2,443Fees | 0.278%Above | 504 | |
46 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,443Fees | 0.464%Above | 431 | |
47 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,719Fees | 0.571%Above | 427 | |
48 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,353Fees | 0.633%Above | 269 | |
49 | Plains Commerce BankBank | Strong | Acceptable | Exceptional | Strong | Strong | $2,138Fees | 0.448%Above | 264 | |
50 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,939Fees | 0.458%Above | 245 |
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.