Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | VICTORY MORTGAGE, L.L.C.Independent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Exceptional | $897Fees | 0.033%Above | 782 | |
2 | Abound Federal Credit UnionCredit Union | Exceptional | Exceptional | Strong | Strong | Exceptional | $227Credit | 0.162%Below | 375 | |
3 | Central Bank & Trust CompanyBank | Exceptional | Exceptional | Strong | Strong | Exceptional | $408Fees | 0.091%Below | 321 | |
4 | Old National BankBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $939Fees | 0.138%Below | 240 | |
5 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $985Fees | 0.356%Above | 1,087 | |
6 | LibertyCredit Union | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,087Fees | 0.376%Above | 1,083 | |
7 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $585Fees | 0.460%Below | 358 | |
8 | PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,755Fees | 0.004%Below | 291 | |
9 | Fifth Third Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Exceptional | $904Fees | 0.353%Above | 740 | |
10 | Stock Yards Bank & Trust CompanyBank | Exceptional | Strong | Strong | Strong | Exceptional | $879Fees | 0.133%Above | 700 | |
11 | Truist BankBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,079Credit | 0.293%Above | 397 | |
12 | The Huntington National BankBank | Exceptional | Strong | Exceptional | Strong | Strong | $66Fees | 0.365%Above | 369 | |
13 | PNC Bank, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $206Fees | 0.232%Above | 361 | |
14 | COMMONWEALTHCredit Union | Exceptional | Exceptional | Sound | Sound | Exceptional | $652Fees | 0.086%Below | 264 | |
15 | City National Bank of West VirginiaBank | Exceptional | Strong | Exceptional | Strong | Strong | $73Credit | 0.094%Below | 191 | |
16 | Bank of America, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,839Fees | 0.131%Below | 103 | |
17 | Northpointe BankBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,158Fees | 0.331%Above | 801 | |
18 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,997Fees | 0.255%Above | 756 | |
19 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,775Fees | 0.513%Above | 746 | |
20 | RUOFF MORTGAGE COMPANY, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,939Fees | 0.361%Above | 685 | |
21 | Republic Bank & Trust CompanyBank | Exceptional | Strong | Strong | Sound | Exceptional | $963Fees | 0.190%Above | 534 | |
22 | First Financial BankBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,752Fees | 0.362%Above | 455 | |
23 | German American BankBank | Exceptional | Strong | Strong | Strong | Strong | $1,010Fees | 0.307%Above | 204 | |
24 | Wells Fargo Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $2,552Fees | 0.151%Above | 168 | |
25 | Peoples Exchange BankBank | Exceptional | Exceptional | Sound | Sound | Strong | $734Fees | 0.036%Above | 165 | |
26 | Park Federal Credit UnionCredit Union | Exceptional | Exceptional | Sound | Sound | Strong | $57Fees | 0.163%Below | 165 | |
27 | Peoples BankBank | Exceptional | Strong | Strong | Strong | Strong | $634Fees | 0.517%Above | 110 | |
28 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,197Fees | 0.428%Above | 3,600 | |
29 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,455Fees | 0.463%Above | 3,590 | |
30 | Guardian Savings BankBank | Strong | Sound | Strong | Strong | Exceptional | $1,190Fees | 0.159%Above | 756 | |
31 | SOUTH CENTRAL BANK, INC.Bank | Strong | Sound | Strong | Strong | Exceptional | $1,173Fees | 0.186%Above | 455 | |
32 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,164Fees | 0.414%Above | 304 | |
33 | Independence Bank of KentuckyBank | Strong | Sound | Strong | Strong | Exceptional | $1,441Fees | 0.191%Above | 294 | |
34 | FIRST EQUITY MORTGAGE INCORPORATEDIndependent Mortgage Company | Strong | Strong | Strong | Sound | Strong | $838Fees | 0.362%Above | 273 | |
35 | GERSHMAN INVESTMENT CORP.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,025Fees | 0.451%Above | 177 | |
36 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,196Fees | 0.140%Above | 156 | |
37 | WesBanco Bank, Inc.Bank | Strong | Sound | Exceptional | Strong | Strong | $1,612Fees | 0.147%Above | 144 | |
38 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Strong | Strong | Sound | Strong | $2,896Fees | 0.265%Above | 139 | |
39 | STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,888Fees | 0.437%Above | 2,284 | |
40 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Sound | Exceptional | $2,178Fees | 0.393%Above | 709 | |
41 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,204Fees | 0.498%Above | 612 | |
42 | ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,366Fees | 0.493%Above | 463 | |
43 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $1,632Fees | 0.013%Above | 352 | |
44 | The Cecilian BankBank | Strong | Sound | Strong | Strong | Strong | $1,458Fees | 0.228%Below | 188 | |
45 | Magnolia Bank, IncorporatedBank | Strong | Acceptable | Strong | Strong | Exceptional | $1,615Fees | 0.307%Above | 671 | |
46 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,776Fees | 0.551%Above | 604 | |
47 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,800Fees | 0.634%Above | 492 | |
48 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,791Fees | 0.246%Above | 428 | |
49 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,493Fees | 0.369%Above | 402 | |
50 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,104Fees | 0.390%Above | 357 |
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.