Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | U.S. Bank National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $494Fees | 0.201%Above | 308 | |
2 | Bank of America, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,853Fees | 0.091%Below | 176 | |
3 | UMB Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $526Fees | 0.141%Above | 109 | |
4 | COMMUNITYAMERICA CREDIT UNIONCredit Union | Exceptional | Strong | Strong | Strong | Exceptional | $1,311Fees | 0.133%Above | 1,025 | |
5 | Capitol Federal Savings BankBank | Exceptional | Strong | Strong | Strong | Exceptional | $1,287Fees | 0.202%Below | 726 | |
6 | Landmark National BankBank | Exceptional | Strong | Sound | Exceptional | Exceptional | $999Fees | 0.061%Above | 502 | |
7 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,368Fees | 0.416%Above | 2,363 | |
8 | Commerce BankBank | Exceptional | Strong | Strong | Sound | Exceptional | $388Fees | 0.239%Above | 216 | |
9 | BMO Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Sound | $1,121Fees | 0.474%Above | 67 | |
10 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $1,824Fees | 0.197%Above | 220 | |
11 | The Central Trust BankBank | Strong | Sound | Exceptional | Strong | Strong | $1,003Fees | 0.229%Above | 198 | |
12 | Home Bank and Trust CompanyBank | Strong | Strong | — | Strong | Strong | $831Fees | 0.031%Above | 121 | |
13 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,082Fees | 0.390%Above | 1,609 | |
14 | Arvest BankBank | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,353Fees | 0.218%Above | 389 | |
15 | Emprise BankBank | Strong | Strong | — | Sound | Strong | $754Fees | 0.102%Above | 101 | |
16 | Academy Bank, National AssociationBank | Strong | Sound | Sound | Acceptable | Strong | $1,131Fees | 0.245%Above | 104 | |
17 | Farm Credit Mid-America, ACAIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $5,481Fees | 0.540%Above | 122 |
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.