Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | VICTORY MORTGAGE, L.L.C.Independent Mortgage Company | Exceptional | Exceptional | Strong | Exceptional | $897Fees | 0.033%Above | 782 | |
2 | Abound Federal Credit UnionCredit Union | Exceptional | Exceptional | Strong | Exceptional | $227Credit | 0.162%Below | 375 | |
3 | Central Bank & Trust CompanyBank | Exceptional | Exceptional | Strong | Exceptional | $408Fees | 0.091%Below | 321 | |
4 | LibertyCredit Union | Exceptional | Strong | Exceptional | Exceptional | $1,087Fees | 0.376%Above | 1,083 | |
5 | COMMONWEALTHCredit Union | Exceptional | Exceptional | Sound | Exceptional | $652Fees | 0.086%Below | 264 | |
6 | Old National BankBank | Exceptional | Exceptional | Strong | Strong | $939Fees | 0.138%Below | 240 | |
7 | U.S. Bank National AssociationBank | Exceptional | Strong | Strong | Exceptional | $985Fees | 0.356%Above | 1,087 | |
8 | Fifth Third Bank, National AssociationBank | Exceptional | Strong | Strong | Exceptional | $904Fees | 0.353%Above | 740 | |
9 | Stock Yards Bank & Trust CompanyBank | Exceptional | Strong | Strong | Exceptional | $879Fees | 0.133%Above | 700 | |
10 | SOUTH CENTRAL BANK, INC.Bank | Exceptional | Strong | Strong | Exceptional | $1,173Fees | 0.186%Above | 455 | |
11 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Sound | Strong | $585Fees | 0.460%Below | 358 | |
12 | PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company | Exceptional | Exceptional | Sound | Strong | $1,755Fees | 0.004%Below | 291 | |
13 | FBC MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | $2,314Fees | 0.182%Above | 196 | |
14 | Peoples Exchange BankBank | Exceptional | Exceptional | Sound | Strong | $734Fees | 0.036%Above | 165 | |
15 | Park Federal Credit UnionCredit Union | Exceptional | Exceptional | Sound | Strong | $57Fees | 0.163%Below | 165 | |
16 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $2,197Fees | 0.428%Above | 3,600 | |
17 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $1,775Fees | 0.513%Above | 746 | |
18 | Republic Bank & Trust CompanyBank | Strong | Strong | Sound | Exceptional | $963Fees | 0.190%Above | 534 | |
19 | Truist BankBank | Strong | Strong | Strong | Strong | $1,079Credit | 0.293%Above | 397 | |
20 | The Huntington National BankBank | Strong | Strong | Strong | Strong | $66Fees | 0.365%Above | 369 | |
21 | PNC Bank, National AssociationBank | Strong | Strong | Strong | Strong | $206Fees | 0.232%Above | 361 | |
22 | City National Bank of West VirginiaBank | Strong | Strong | Strong | Strong | $73Credit | 0.094%Below | 191 | |
23 | Bank of America, National AssociationBank | Strong | Strong | Strong | Strong | $1,839Fees | 0.131%Below | 103 | |
24 | Northpointe BankBank | Strong | Sound | Strong | Exceptional | $3,158Fees | 0.331%Above | 801 | |
25 | Guardian Savings BankBank | Strong | Sound | Strong | Exceptional | $1,190Fees | 0.159%Above | 756 | |
26 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Exceptional | $1,997Fees | 0.255%Above | 756 | |
27 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | $2,178Fees | 0.393%Above | 709 | |
28 | RUOFF MORTGAGE COMPANY, INC.Independent Mortgage Company | Strong | Sound | Strong | Exceptional | $1,939Fees | 0.361%Above | 685 | |
29 | First Financial BankBank | Strong | Sound | Strong | Exceptional | $1,752Fees | 0.362%Above | 455 | |
30 | FIRST EQUITY MORTGAGE INCORPORATEDIndependent Mortgage Company | Strong | Strong | Sound | Strong | $838Fees | 0.362%Above | 273 | |
31 | Traditional Bank, Inc.Bank | Strong | Sound | Strong | Exceptional | $1,012Fees | 0.164%Above | 209 | |
32 | German American BankBank | Strong | Strong | Sound | Strong | $1,010Fees | 0.307%Above | 204 | |
33 | Wells Fargo Bank, National AssociationBank | Strong | Strong | Sound | Strong | $2,552Fees | 0.151%Above | 168 | |
34 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | $3,196Fees | 0.140%Above | 156 | |
35 | Peoples BankBank | Strong | Strong | Sound | Strong | $634Fees | 0.517%Above | 110 | |
36 | Heartland BankBank | Strong | Strong | Sound | Strong | $962Fees | 0.237%Above | 98 | |
37 | GoPrime Mortgage, Inc.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | $1,521Fees | 0.509%Above | 95 | |
38 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,455Fees | 0.463%Above | 3,590 | |
39 | Magnolia Bank, IncorporatedBank | Strong | Acceptable | Exceptional | Exceptional | $1,615Fees | 0.307%Above | 671 | |
40 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $2,204Fees | 0.498%Above | 612 | |
41 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | $1,791Fees | 0.246%Above | 428 | |
42 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $1,632Fees | 0.013%Above | 352 | |
43 | L & N Federal Credit UnionCredit Union | Strong | Sound | Sound | Exceptional | $405Fees | 0.067%Above | 327 | |
44 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $3,164Fees | 0.414%Above | 304 | |
45 | Independence Bank of KentuckyBank | Strong | Sound | Sound | Exceptional | $1,441Fees | 0.191%Above | 294 | |
46 | REPUBLIC STATE MORTGAGE CO.Independent Mortgage Company | Strong | Sound | Strong | Strong | $2,957Fees | 0.470%Above | 246 | |
47 | GERSHMAN INVESTMENT CORP.Independent Mortgage Company | Strong | Sound | Strong | Strong | $1,025Fees | 0.451%Above | 177 | |
48 | WesBanco Bank, Inc.Bank | Strong | Sound | Strong | Strong | $1,612Fees | 0.147%Above | 144 | |
49 | THE MORTGAGE WAREHOUSE,LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $1,580Fees | 0.260%Above | 119 | |
50 | Regions BankBank | Strong | Sound | Strong | Strong | $1,087Fees | 0.511%Above | 108 |
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.