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 | LibertyCredit Union | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,087Fees | 0.376%Above | 1,083 | |
3 | Guardian Savings BankBank | Exceptional | Exceptional | Strong | Sound | Exceptional | $1,190Fees | 0.159%Above | 756 | |
4 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,775Fees | 0.513%Above | 746 | |
5 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,178Fees | 0.393%Above | 709 | |
6 | Republic Bank & Trust CompanyBank | Exceptional | Exceptional | Strong | Sound | Exceptional | $963Fees | 0.190%Above | 534 | |
7 | FBC MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,314Fees | 0.182%Above | 196 | |
8 | Peoples Exchange BankBank | Exceptional | Exceptional | Strong | Strong | Strong | $734Fees | 0.036%Above | 165 | |
9 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,197Fees | 0.428%Above | 3,600 | |
10 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Sound | Exceptional | $985Fees | 0.356%Above | 1,087 | |
11 | Fifth Third Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Exceptional | $904Fees | 0.353%Above | 740 | |
12 | SOUTH CENTRAL BANK, INC.Bank | Exceptional | Strong | Strong | Strong | Exceptional | $1,173Fees | 0.186%Above | 455 | |
13 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,493Fees | 0.369%Above | 402 | |
14 | The Huntington National BankBank | Exceptional | Strong | Exceptional | Strong | Strong | $66Fees | 0.365%Above | 369 | |
15 | INTERLINC MORTGAGE SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,509Fees | 0.596%Above | 328 | |
16 | Central Bank & Trust CompanyBank | Exceptional | Exceptional | Sound | Sound | Exceptional | $408Fees | 0.091%Below | 321 | |
17 | REPUBLIC STATE MORTGAGE CO.Independent Mortgage Company | Exceptional | Strong | Strong | Exceptional | Strong | $2,957Fees | 0.470%Above | 246 | |
18 | Old National BankBank | Exceptional | Exceptional | Strong | Sound | Strong | $939Fees | 0.138%Below | 240 | |
19 | Northpointe BankBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,158Fees | 0.331%Above | 801 | |
20 | Stock Yards Bank & Trust CompanyBank | Exceptional | Strong | Strong | Sound | Exceptional | $879Fees | 0.133%Above | 700 | |
21 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $1,632Fees | 0.013%Above | 352 | |
22 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,196Fees | 0.140%Above | 156 | |
23 | WesBanco Bank, Inc.Bank | Exceptional | Strong | Strong | Strong | Strong | $1,612Fees | 0.147%Above | 144 | |
24 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,455Fees | 0.463%Above | 3,590 | |
25 | Magnolia Bank, IncorporatedBank | Strong | Sound | Strong | Strong | Exceptional | $1,615Fees | 0.307%Above | 671 | |
26 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,204Fees | 0.498%Above | 612 | |
27 | Truist BankBank | Strong | Strong | Strong | Sound | Strong | $1,079Credit | 0.293%Above | 397 | |
28 | PNC Bank, National AssociationBank | Strong | Strong | Strong | Sound | Strong | $206Fees | 0.232%Above | 361 | |
29 | Bank of EnglandBank | Strong | Sound | Exceptional | Strong | Strong | $3,142Fees | 0.499%Above | 328 | |
30 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,164Fees | 0.414%Above | 304 | |
31 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,773Fees | 0.539%Above | 274 | |
32 | German American BankBank | Strong | Strong | Strong | Sound | Strong | $1,010Fees | 0.307%Above | 204 | |
33 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $1,930Fees | 0.391%Above | 195 | |
34 | Plains Commerce BankBank | Strong | Sound | Exceptional | Strong | Strong | $2,225Fees | 0.461%Above | 191 | |
35 | GERSHMAN INVESTMENT CORP.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,025Fees | 0.451%Above | 177 | |
36 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,459Fees | 0.366%Above | 176 | |
37 | Renasant BankBank | Strong | Sound | Exceptional | Strong | Strong | $2,138Fees | 0.146%Above | 129 | |
38 | STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,888Fees | 0.437%Above | 2,284 | |
39 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Sound | Exceptional | $1,997Fees | 0.255%Above | 756 | |
40 | RUOFF MORTGAGE COMPANY, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,939Fees | 0.361%Above | 685 | |
41 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,800Fees | 0.634%Above | 492 | |
42 | ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,366Fees | 0.493%Above | 463 | |
43 | First Financial BankBank | Strong | Sound | Strong | Sound | Exceptional | $1,752Fees | 0.362%Above | 455 | |
44 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,778Fees | 0.360%Above | 294 | |
45 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $2,298Fees | 0.410%Above | 215 | |
46 | Traditional Bank, Inc.Bank | Strong | Sound | Sound | Strong | Exceptional | $1,012Fees | 0.164%Above | 209 | |
47 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,920Fees | 0.395%Above | 206 | |
48 | Regions BankBank | Strong | Sound | Exceptional | Sound | Strong | $1,087Fees | 0.511%Above | 108 | |
49 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,791Fees | 0.246%Above | 428 | |
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.