Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | RESIDENTIAL MORTGAGE NETWORK, INC.Independent Mortgage Company | Exceptional | Exceptional | Exceptional | Exceptional | Exceptional | $1,199Fees | 0.017%Below | 424 | |
2 | GREENSTATE Credit UnionCredit Union | Exceptional | Exceptional | Strong | Strong | Exceptional | $497Fees | 0.256%Below | 4,661 | |
3 | IOWA BANKERS MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Exceptional | $1,157Fees | 0.056%Below | 2,020 | |
4 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,183Fees | 0.292%Above | 717 | |
5 | Central BankBank | Exceptional | Strong | Strong | Strong | Exceptional | $2,067Fees | 0.094%Below | 495 | |
6 | GERSHMAN INVESTMENT CORP.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,334Fees | 0.037%Below | 466 | |
7 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,443Fees | 0.464%Above | 431 | |
8 | Northwest BankBank | Exceptional | Strong | — | Strong | Exceptional | $1,074Fees | 0.073%Above | 900 | |
9 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $965Fees | 0.210%Above | 838 | |
10 | Fortress BankBank | Exceptional | Strong | — | Strong | Exceptional | $1,548Fees | 0.271%Above | 452 | |
11 | Plains Commerce BankBank | Exceptional | Strong | Exceptional | Sound | Strong | $2,138Fees | 0.448%Above | 264 | |
12 | V.I.P. MORTGAGE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $1,630Fees | 0.399%Above | 94 | |
13 | Barrington Bank & Trust Company, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $2,332Fees | 0.325%Above | 315 | |
14 | Lincoln Savings BankBank | Strong | Strong | — | Strong | Strong | $1,459Fees | 0.112%Above | 263 | |
15 | Fidelity BankBank | Strong | Strong | — | Strong | Strong | $1,403Fees | 0.225%Above | 238 | |
16 | Great Southern BankBank | Strong | Strong | Strong | Sound | Strong | $1,486Fees | 0.018%Above | 129 | |
17 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Exceptional | Sound | $2,375Fees | 0.386%Above | 99 | |
18 | Bank IowaBank | Strong | Sound | Strong | Strong | Strong | $1,407Fees | 0.124%Above | 240 | |
19 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,834Fees | 0.993%Above | 157 | |
20 | STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,337Fees | 0.637%Above | 131 | |
21 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $2,805Fees | 0.529%Above | 1,138 | |
22 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,470Fees | 0.606%Above | 315 | |
23 | Flanagan State BankBank | Strong | Mediocre | Exceptional | Strong | Strong | $2,578Fees | 0.606%Above | 157 | |
24 | Waterstone Mortgage CorporationIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $4,835Fees | 0.289%Above | 84 | |
25 | United Bank of IowaBank | Sound | Mediocre | Strong | Sound | Strong | $1,366Fees | 0.334%Above | 172 |
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.