Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | GREENSTATE Credit Union Credit UnionDirect | Exceptional | Exceptional | Exceptional | Exceptional | $833Fees | 0.048%Above | 2,002 | |
2 | CITIZENS EQUITY FIRST Credit UnionDirect | Exceptional | Exceptional | Exceptional | Exceptional | $25Credit | 0.070%Above | 1,186 | |
3 | I. H. MISSISSIPPI VALLEY CREDIT UNION Credit UnionDirect | Exceptional | Exceptional | Exceptional | Strong | $985Fees | 0.303%Below | 356 | |
4 | United Community Bank BankDirect | Exceptional | Exceptional | Strong | Exceptional | $121Fees | 0.128%Above | 649 | |
5 | FCB Banks BankDirect | Exceptional | Exceptional | Strong | Exceptional | $715Fees | 0.092%Below | 566 | |
6 | Associated Bank, National Association BankDirect | Exceptional | Exceptional | Strong | Strong | $533Fees | 0.096%Above | 484 | |
7 | INB, National Association BankDirect | Exceptional | Strong | Exceptional | Exceptional | $640Fees | 0.308%Above | 653 | |
8 | First Mid Bank & Trust, National Association BankDirect | Strong | Strong | Strong | Exceptional | $872Fees | 0.176%Above | 741 | |
9 | Bank of Springfield BankDirect | Strong | Strong | Exceptional | Strong | $461Fees | 0.093%Above | 373 | |
10 | Old National Bank BankDirect | Strong | Exceptional | Strong | Strong | $861Fees | 0.034%Above | 626 | |
11 | U.S. Bank National Association BankDirect | Strong | Strong | Strong | Exceptional | $460Fees | 0.254%Above | 2,055 | |
12 | Busey Bank BankDirect | Strong | Strong | Exceptional | Exceptional | $911Fees | 0.312%Above | 669 | |
13 | UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale | Strong | Sound* | Exceptional | Exceptional | $1,855Fees | 0.413%Above | 7,352 | |
14 | Bank of America, National Association BankDirect | Strong | Strong | Strong | Exceptional | $1,634Fees | 0.082%Below | 1,025 | |
15 | NAVY FEDERAL CREDIT UNION Credit UnionDirect | Strong | Exceptional | Sound | Strong | $456Fees | 0.440%Below | 707 | |
16 | Morgan Stanley Private Bank, National Association BankDirect | Strong | Exceptional | Strong | Strong | $252Fees | 0.414%Below | 295 | |
17 | The Huntington National Bank BankDirect | Strong | Strong | Strong | Exceptional | $745Credit | 0.195%Above | 2,085 | |
18 | FLAT BRANCH MORTGAGE, INC. Independent Mortgage CompanyDirect | Strong | Sound | Exceptional | Exceptional | $1,201Fees | 0.447%Above | 1,599 | |
19 | FIRST STATE MORTGAGE SERVICES, LLC Independent Mortgage CompanyDirect | Strong | Sound | Exceptional | Exceptional | $1,493Fees | 0.362%Above | 1,052 | |
20 | Citibank, National Association BankDirect | Strong | Exceptional | Sound | Strong | $1,743Credit | 0.101%Below | 811 | |
21 | SCOTT CREDIT UNION Credit UnionDirect | Strong | Strong | Strong | Strong | $664Fees | 0.068%Above | 378 | |
22 | ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Acceptable* | Exceptional | Exceptional | $3,394Fees | 0.490%Above | 7,176 | |
23 | Carrollton Bank BankDirect | Strong | Strong | Strong | Strong | $776Fees | 0.080%Above | 365 | |
24 | JPMorgan Chase Bank, National Association BankDirect & Wholesale | Strong | Sound* | Strong | Exceptional | $1,688Fees | 0.163%Above | 6,487 | |
25 | LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Sound* | Strong | Exceptional | $2,865Fees | 0.657%Above | 2,802 | |
26 | GUARANTEED RATE, INC. Independent Mortgage CompanyDirect | Strong | Sound | Strong | Exceptional | $2,009Fees | 0.369%Above | 7,686 | |
27 | PNC Bank, National Association BankDirect | Strong | Strong | Strong | Strong | $188Credit | 0.254%Above | 784 | |
28 | Fifth Third Bank, National Association BankDirect | Strong | Strong | Strong | Exceptional | $339Credit | 0.266%Above | 1,233 | |
29 | MLD MORTGAGE INC. Independent Mortgage CompanyDirect | Strong | Sound | Exceptional | Strong | $1,971Fees | 0.443%Above | 526 | |
30 | PROVIDENT FUNDING ASSOCIATES, L.P. Independent Mortgage CompanyWholesale | Strong | Exceptional* | Sound | Strong | $762Fees | 0.019%Above | 338 | |
31 | GMFS LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Sound* | Exceptional | Strong | $1,888Fees | 0.500%Above | 266 | |
32 | A & N MORTGAGE SERVICES, INC. Independent Mortgage CompanyDirect | Strong | Sound | Strong | Exceptional | $1,570Fees | 0.336%Above | 1,149 | |
33 | Peoples National Bank , N.A. BankDirect | Strong | Strong | Sound | Strong | $864Fees | 0.302%Above | 283 | |
34 | TOWNE MORTGAGE COMPANY Independent Mortgage CompanyWholesale | Strong | Acceptable* | Strong | Exceptional | $1,510Fees | 0.539%Above | 977 | |
35 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Exceptional | $2,737Fees | 0.680%Above | 3,156 | |
36 | Barrington Bank & Trust Company, National Association BankDirect | Strong | Acceptable | Strong | Exceptional | $1,856Fees | 0.455%Above | 2,395 | |
37 | KEY MORTGAGE SERVICES, INC. Independent Mortgage CompanyDirect | Strong | Sound | Strong | Exceptional | $1,739Fees | 0.348%Above | 1,273 | |
38 | THE LOAN STORE, INC. Independent Mortgage CompanyWholesale | Strong | Acceptable* | Strong | Exceptional | $336Fees | 0.307%Above | 963 | |
39 | FREEDOM MORTGAGE CORPORATION Independent Mortgage CompanyDirect & Wholesale | Strong | Sound* | Strong | Strong | $2,040Fees | 0.663%Above | 815 | |
40 | Wells Fargo Bank, National Association BankDirect | Strong | Strong | Sound | Strong | $1,823Fees | 0.033%Above | 781 | |
41 | DELMAR FINANCIAL COMPANY Independent Mortgage CompanyDirect | Strong | Sound | Strong | Exceptional | $1,519Fees | 0.434%Above | 597 | |
42 | Morton Community Bank BankDirect | Strong | Sound | Strong | Exceptional | $683Fees | 0.460%Above | 455 | |
43 | Heartland Bank and Trust Company BankDirect | Strong | Strong | Sound | Exceptional | $573Fees | 0.471%Above | 371 | |
44 | ARK-LA-TEX FINANCIAL SERVICES, LLC. Independent Mortgage CompanyDirect & Wholesale | Strong | Sound* | Exceptional | Strong | $937Fees | 0.633%Above | 354 | |
45 | GUILD MORTGAGE COMPANY LLC Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Exceptional | $2,378Fees | 0.587%Above | 2,081 | |
46 | PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Sound* | Strong | Strong | $1,170Fees | 0.188%Above | 781 | |
47 | BMO Bank National Association BankDirect | Strong | Sound | Sound | Strong | $449Fees | 0.420%Above | 582 | |
48 | PROPER RATE, LLC Independent Mortgage CompanyDirect | Strong | Sound | Sound | Exceptional | $1,656Fees | 0.268%Above | 1,337 | |
49 | COMPASS MORTGAGE, INC. Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Exceptional | $2,500Fees | 0.580%Above | 904 | |
50 | MUTUAL OF OMAHA MORTGAGE, INC. Independent Mortgage CompanyDirect | Strong | Sound | Sound | Strong | $1,661Fees | 0.439%Above | 810 |
Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.
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.
⚖️ Licensing & Disclosures
Lender rankings and market statistics are created by Dylan Hall, licensed mortgage loan officer (NMLS #1658740). Safe Rate is a mortgage technology platform; mortgage lending services are provided by PartnerOwn LLC dba Safe Rate Mortgage, a licensed mortgage broker and lender (NMLS #1590949). Safe Rate Mortgage is a lending partner of some of the lenders ranked on this page, and Safe Rate Inc. has software or service customers on this list; however, all rankings are calculated using objective, public Home Mortgage Disclosure Act (HMDA) datasets, completely independent of any corporate partnerships, client relationships, or compensation.