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 | $1,554Fees | 0.281%Above | 300 | |
2 | Old National BankBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $673Fees | 0.276%Below | 70 | |
3 | PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,382Fees | 0.014%Above | 172 | |
4 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $514Fees | 0.428%Below | 121 | |
5 | Abound Federal Credit UnionCredit Union | Exceptional | Exceptional | Strong | Strong | Strong | $265Credit | 0.228%Below | 95 | |
6 | Stock Yards Bank & Trust CompanyBank | Exceptional | Strong | Strong | Strong | Exceptional | $946Fees | 0.160%Above | 566 | |
7 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,285Fees | 0.442%Above | 336 | |
8 | Fifth Third Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Exceptional | $1,337Fees | 0.263%Above | 290 | |
9 | PNC Bank, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $55Credit | 0.198%Above | 228 | |
10 | Truist BankBank | Exceptional | Strong | Exceptional | Strong | Strong | $3,705Credit | 0.350%Above | 199 | |
11 | LibertyCredit Union | Exceptional | Strong | Exceptional | Strong | Strong | $1,660Fees | 0.510%Above | 159 | |
12 | Park Federal Credit UnionCredit Union | Exceptional | Exceptional | Sound | Sound | Exceptional | $135Fees | 0.121%Below | 144 | |
13 | Northpointe BankBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,110Fees | 0.328%Above | 700 | |
14 | First Financial BankBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,715Fees | 0.365%Above | 406 | |
15 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,794Fees | 0.238%Above | 404 | |
16 | RUOFF MORTGAGE COMPANY, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,920Fees | 0.328%Above | 382 | |
17 | Republic Bank & Trust CompanyBank | Exceptional | Strong | Strong | Sound | Exceptional | $1,142Fees | 0.208%Above | 370 | |
18 | First Harrison BankBank | Exceptional | Strong | Sound | Strong | Exceptional | $1,071Fees | 0.089%Above | 180 | |
19 | German American BankBank | Exceptional | Strong | Strong | Strong | Strong | $802Fees | 0.218%Above | 92 | |
20 | COMMONWEALTHCredit Union | Exceptional | Exceptional | Sound | Sound | Strong | $652Fees | 0.053%Below | 50 | |
21 | The Huntington National BankBank | Exceptional | Strong | Exceptional | Strong | Sound | $123Fees | 0.342%Above | 49 | |
22 | Bank of America, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Sound | $1,496Fees | 0.152%Below | 44 | |
23 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,085Fees | 0.562%Above | 2,139 | |
24 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,427Fees | 0.376%Above | 1,372 | |
25 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $4,121Fees | 0.131%Above | 199 | |
26 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,645Fees | 0.439%Above | 119 | |
27 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,578Fees | 0.300%Above | 83 | |
28 | Wells Fargo Bank, National AssociationBank | Strong | Strong | Exceptional | Sound | Sound | $2,559Fees | 0.132%Above | 64 | |
29 | Centra Credit UnionCredit Union | Strong | Sound | Strong | Exceptional | Strong | $1,326Fees | 0.350%Above | 58 | |
30 | WesBanco Bank, Inc.Bank | Strong | Sound | Exceptional | Strong | Strong | $1,888Fees | 0.140%Above | 57 | |
31 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Sound | Exceptional | $2,052Fees | 0.307%Above | 454 | |
32 | STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,640Fees | 0.473%Above | 438 | |
33 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,754Fees | 0.641%Above | 433 | |
34 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $1,113Fees | 0.125%Above | 160 | |
35 | AMERIHOME MORTGAGE COMPANY, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $1,163Fees | 0.429%Above | 91 | |
36 | SOUTH CENTRAL BANK, INC.Bank | Strong | Sound | Strong | Strong | Strong | $1,136Fees | 0.056%Above | 59 | |
37 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $1,937Fees | 0.404%Above | 53 | |
38 | Guardian Savings BankBank | Strong | Sound | Strong | Strong | Strong | $884Fees | 0.174%Above | 48 | |
39 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,714Fees | 0.364%Above | 42 | |
40 | Magnolia Bank, IncorporatedBank | Strong | Acceptable | Strong | Strong | Exceptional | $1,851Fees | 0.309%Above | 487 | |
41 | INTERLINC MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $2,539Fees | 0.618%Above | 355 | |
42 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,383Fees | 0.506%Above | 266 | |
43 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,244Fees | 0.417%Above | 214 | |
44 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,844Fees | 0.542%Above | 202 | |
45 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,553Fees | 0.358%Above | 193 | |
46 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,442Fees | 0.302%Above | 163 | |
47 | Flagstar Bank, N.A.Bank | Strong | Acceptable | Exceptional | Strong | Strong | $2,082Fees | 0.384%Above | 146 | |
48 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,700Fees | 0.434%Above | 143 | |
49 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,069Fees | 0.475%Above | 139 | |
50 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,931Fees | 0.448%Above | 99 |
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.