Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Central Bank & Trust CompanyBank | Exceptional | Exceptional | Strong | Strong | Exceptional | $369Fees | 0.129%Below | 220 | |
2 | Old National BankBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,644Fees | 0.241%Below | 40 | |
3 | PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company | Exceptional | Exceptional | Exceptional | Sound | Strong | $2,473Fees | 0.052%Below | 94 | |
4 | Stock Yards Bank & Trust CompanyBank | Exceptional | Strong | Strong | Strong | Exceptional | $750Fees | 0.099%Above | 142 | |
5 | Peoples Exchange BankBank | Exceptional | Exceptional | Sound | Sound | Exceptional | $812Fees | 0.036%Below | 99 | |
6 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $472Fees | 0.164%Above | 91 | |
7 | PNC Bank, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $442Fees | 0.159%Above | 49 | |
8 | City National Bank of West VirginiaBank | Exceptional | Strong | Exceptional | Strong | Strong | $52Credit | 0.259%Below | 45 | |
9 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Sound | $885Fees | 0.489%Below | 39 | |
10 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,953Fees | 0.498%Above | 366 | |
11 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,065Fees | 0.207%Above | 184 | |
12 | Fifth Third Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $588Fees | 0.304%Above | 141 | |
13 | Republic Bank & Trust CompanyBank | Exceptional | Strong | Strong | Sound | Exceptional | $744Fees | 0.142%Above | 138 | |
14 | COMMONWEALTHCredit Union | Exceptional | Exceptional | Sound | Sound | Strong | $668Fees | 0.114%Below | 61 | |
15 | Bank of America, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Sound | $1,334Fees | 0.147%Below | 41 | |
16 | The Huntington National BankBank | Exceptional | Strong | Exceptional | Strong | Sound | $811Fees | 0.349%Above | 30 | |
17 | Truist BankBank | Exceptional | Strong | Exceptional | Strong | Sound | $1,343Fees | 0.133%Above | 26 | |
18 | NBKC BANKBank | Exceptional | Exceptional | Strong | Sound | Sound | $499Fees | 0.113%Below | 12 | |
19 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,549Fees | 0.367%Above | 489 | |
20 | Guardian Savings BankBank | Strong | Sound | Strong | Strong | Exceptional | $1,246Fees | 0.156%Above | 289 | |
21 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,686Fees | 0.168%Above | 188 | |
22 | RUOFF MORTGAGE COMPANY, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,143Fees | 0.354%Above | 59 | |
23 | WesBanco Bank, Inc.Bank | Strong | Sound | Exceptional | Strong | Strong | $1,339Fees | 0.098%Above | 39 | |
24 | Wells Fargo Bank, National AssociationBank | Strong | Strong | Exceptional | Sound | Sound | $2,054Fees | 0.031%Above | 20 | |
25 | Civista BankBank | Strong | Strong | Strong | Strong | Sound | $169Fees | 0.309%Above | 12 | |
26 | Park Federal Credit UnionCredit Union | Strong | Exceptional | Sound | Sound | Sound | $564Fees | 0.238%Below | 12 | |
27 | STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,234Fees | 0.236%Above | 484 | |
28 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $3,281Fees | 0.305%Above | 33 | |
29 | First Financial BankBank | Strong | Sound | Exceptional | Strong | Sound | $2,508Fees | 0.204%Above | 25 | |
30 | Northpointe BankBank | Strong | Sound | Exceptional | Strong | Sound | $3,724Fees | 0.294%Above | 24 | |
31 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Strong | Strong | Sound | Sound | $3,561Fees | 0.404%Above | 14 | |
32 | Traditional Bank, Inc.Bank | Strong | Sound | Sound | Sound | Exceptional | $944Fees | 0.102%Above | 84 | |
33 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $2,221Fees | 0.461%Above | 64 | |
34 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,501Fees | 0.084%Above | 56 | |
35 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,891Fees | 0.136%Above | 55 | |
36 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,965Fees | 0.240%Above | 52 | |
37 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Sound | $629Fees | 0.061%Above | 36 | |
38 | SOUTH CENTRAL BANK, INC.Bank | Strong | Sound | Strong | Strong | Sound | $1,272Fees | 0.082%Above | 21 | |
39 | GENERAL ELECTRIC CREDIT UNIONCredit Union | Strong | Strong | Sound | Sound | Sound | $1,243Fees | 0.139%Below | 18 | |
40 | ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $4,777Fees | 0.306%Above | 12 | |
41 | Bank of EnglandBank | Strong | Acceptable | Strong | Sound | Exceptional | $3,075Fees | 0.451%Above | 156 | |
42 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $3,260Fees | 0.588%Above | 112 | |
43 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $4,077Fees | 0.326%Above | 38 | |
44 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,091Fees | 0.641%Above | 38 | |
45 | Flagstar Bank, N.A.Bank | Strong | Acceptable | Exceptional | Strong | Sound | $1,782Fees | 0.222%Above | 38 | |
46 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,478Fees | 0.324%Above | 29 | |
47 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,093Fees | 0.721%Above | 25 | |
48 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $4,193Fees | 0.559%Above | 23 | |
49 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,759Fees | 0.560%Above | 19 | |
50 | SWBC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,293Fees | 0.316%Above | 15 |
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.