Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Old National BankBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $930Fees | 0.149%Above | 66 | |
2 | First Merchants BankBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,763Fees | 0.236%Above | 124 | |
3 | PURDUECredit Union | Exceptional | Strong | Strong | Strong | Exceptional | $632Fees | 0.102%Above | 314 | |
4 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Sound | $1,169Fees | 0.549%Below | 18 | |
5 | RUOFF MORTGAGE COMPANY, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,871Fees | 0.443%Above | 169 | |
6 | The Huntington National BankBank | Exceptional | Strong | Exceptional | Strong | Sound | $543Fees | 0.401%Above | 42 | |
7 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,228Fees | 0.431%Above | 191 | |
8 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $2,311Fees | 0.376%Above | 68 | |
9 | Fifth Third Bank, National AssociationBank | Strong | Strong | Exceptional | Sound | Sound | $1,699Fees | 0.288%Above | 21 | |
10 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,068Fees | 0.567%Above | 189 | |
11 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,935Fees | 0.504%Above | 163 | |
12 | Security Federal Savings BankBank | Strong | Sound | Sound | Exceptional | Strong | $750Fees | 0.219%Above | 76 | |
13 | Centier BankBank | Strong | Sound | Strong | Strong | Strong | $1,209Fees | 0.542%Above | 53 | |
14 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $7,219Fees | 0.169%Above | 31 | |
15 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $3,522Fees | 0.728%Above | 19 | |
16 | First Financial BankBank | Strong | Sound | Exceptional | Strong | Sound | $944Fees | 0.860%Above | 18 | |
17 | GVC MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,340Fees | 0.466%Above | 45 | |
18 | MJW FINANCIAL LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Sound | $2,245Fees | 0.528%Above | 23 | |
19 | Horizon BankBank | Strong | Sound | Strong | Strong | Sound | $2,461Fees | 0.490%Above | 22 | |
20 | First Farmers Bank & Trust Co.Bank | Strong | Sound | Strong | Strong | Sound | $1,334Fees | 0.542%Above | 17 | |
21 | Regions BankBank | Strong | Acceptable | Exceptional | Strong | Sound | $2,433Fees | 0.393%Above | 41 | |
22 | STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,466Fees | 0.462%Above | 37 | |
23 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,229Fees | 0.332%Above | 32 | |
24 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,310Fees | 0.381%Above | 29 | |
25 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,728Fees | 0.750%Above | 20 | |
26 | GoodLeap, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Sound | $5,356Fees | 0.269%Above | 20 | |
27 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,047Fees | 0.800%Above | 14 | |
28 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $4,870Fees | 0.304%Above | 13 | |
29 | HALLMARK HOME MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $1,823Fees | 0.720%Above | 50 | |
30 | NEWREZ LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $3,033Fees | 0.428%Above | 38 | |
31 | FAIR WAY LENDING LLCIndependent Mortgage Company | Strong | Acceptable | Sound | Strong | Strong | $2,725Fees | 0.905%Above | 29 | |
32 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $2,768Fees | 0.354%Above | 21 | |
33 | Flanagan State BankBank | Sound | Acceptable | Strong | Sound | Sound | $3,423Fees | 1.045%Above | 26 | |
34 | CALCON MUTUAL MORTGAGE LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Sound | Strong | $3,176Fees | 0.714%Above | 49 | |
35 | ROYAL UNITED MORTGAGE LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Sound | $3,191Fees | 1.205%Above | 13 | |
36 | First Option Mortgage, LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Sound | Sound | $3,455Fees | 0.787%Above | 19 | |
37 | Wolfe Financial, IncIndependent Mortgage Company | Sound | Mediocre | Strong | Sound | Sound | $1,889Fees | 1.070%Above | 11 |
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.