Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | VICTORY MORTGAGE, L.L.C.Independent Mortgage Company | Exceptional | Exceptional | Strong | Exceptional | $1,554Fees | 0.281%Above | 300 | |
2 | Park Federal Credit UnionCredit Union | Exceptional | Exceptional | Sound | Exceptional | $135Fees | 0.121%Below | 144 | |
3 | Abound Federal Credit UnionCredit Union | Exceptional | Exceptional | Strong | Strong | $265Credit | 0.228%Below | 95 | |
4 | Old National BankBank | Exceptional | Exceptional | Strong | Strong | $673Fees | 0.276%Below | 70 | |
5 | Stock Yards Bank & Trust CompanyBank | Exceptional | Strong | Strong | Exceptional | $946Fees | 0.160%Above | 566 | |
6 | Fifth Third Bank, National AssociationBank | Exceptional | Strong | Strong | Exceptional | $1,337Fees | 0.263%Above | 290 | |
7 | First Harrison BankBank | Exceptional | Strong | Strong | Exceptional | $1,071Fees | 0.089%Above | 180 | |
8 | PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company | Exceptional | Exceptional | Sound | Strong | $1,382Fees | 0.014%Above | 172 | |
9 | LibertyCredit Union | Exceptional | Strong | Exceptional | Strong | $1,660Fees | 0.510%Above | 159 | |
10 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Sound | Strong | $514Fees | 0.428%Below | 121 | |
11 | COMMONWEALTHCredit Union | Exceptional | Exceptional | Sound | Strong | $652Fees | 0.053%Below | 50 | |
12 | TRANSCEND Federal Credit UnionCredit Union | Exceptional | Exceptional | Sound | Strong | $233Fees | 0.322%Below | 47 | |
13 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $2,085Fees | 0.562%Above | 2,139 | |
14 | Republic Bank & Trust CompanyBank | Strong | Strong | Sound | Exceptional | $1,142Fees | 0.208%Above | 370 | |
15 | U.S. Bank National AssociationBank | Strong | Strong | Strong | Strong | $1,285Fees | 0.442%Above | 336 | |
16 | PNC Bank, National AssociationBank | Strong | Strong | Strong | Strong | $55Credit | 0.198%Above | 228 | |
17 | Truist BankBank | Strong | Strong | Strong | Strong | $3,705Credit | 0.350%Above | 199 | |
18 | SOUTH CENTRAL BANK, INC.Bank | Strong | Strong | Strong | Strong | $1,136Fees | 0.056%Above | 59 | |
19 | Northpointe BankBank | Strong | Sound | Strong | Exceptional | $3,110Fees | 0.328%Above | 700 | |
20 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | $2,052Fees | 0.307%Above | 454 | |
21 | First Financial BankBank | Strong | Sound | Strong | Exceptional | $1,715Fees | 0.365%Above | 406 | |
22 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Exceptional | $1,794Fees | 0.238%Above | 404 | |
23 | RUOFF MORTGAGE COMPANY, INC.Independent Mortgage Company | Strong | Sound | Strong | Exceptional | $1,920Fees | 0.328%Above | 382 | |
24 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | $4,121Fees | 0.131%Above | 199 | |
25 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | $1,645Fees | 0.439%Above | 119 | |
26 | German American BankBank | Strong | Strong | Sound | Strong | $802Fees | 0.218%Above | 92 | |
27 | Centra Credit UnionCredit Union | Strong | Sound | Exceptional | Strong | $1,326Fees | 0.350%Above | 58 | |
28 | The Huntington National BankBank | Strong | Strong | Strong | Sound | $123Fees | 0.342%Above | 49 | |
29 | Bank of America, National AssociationBank | Strong | Strong | Strong | Sound | $1,496Fees | 0.152%Below | 44 | |
30 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,427Fees | 0.376%Above | 1,372 | |
31 | Magnolia Bank, IncorporatedBank | Strong | Acceptable | Exceptional | Exceptional | $1,851Fees | 0.309%Above | 487 | |
32 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $2,754Fees | 0.641%Above | 433 | |
33 | L & N Federal Credit UnionCredit Union | Strong | Sound | Sound | Exceptional | $354Fees | 0.007%Above | 196 | |
34 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $1,113Fees | 0.125%Above | 160 | |
35 | THE MORTGAGE WAREHOUSE,LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $1,595Fees | 0.247%Above | 124 | |
36 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $3,578Fees | 0.300%Above | 83 | |
37 | Traditional Bank, Inc.Bank | Strong | Sound | Strong | Strong | $1,017Fees | 0.218%Above | 68 | |
38 | Wells Fargo Bank, National AssociationBank | Strong | Strong | Sound | Sound | $2,559Fees | 0.132%Above | 64 | |
39 | WesBanco Bank, Inc.Bank | Strong | Sound | Strong | Strong | $1,888Fees | 0.140%Above | 57 | |
40 | Guardian Savings BankBank | Strong | Sound | Strong | Strong | $884Fees | 0.174%Above | 48 | |
41 | STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $2,640Fees | 0.473%Above | 438 | |
42 | INTERLINC MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $2,539Fees | 0.618%Above | 355 | |
43 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $1,700Fees | 0.434%Above | 143 | |
44 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,931Fees | 0.448%Above | 99 | |
45 | AMERIHOME MORTGAGE COMPANY, LLCIndependent Mortgage Company | Strong | Sound | Sound | Strong | $1,163Fees | 0.429%Above | 91 | |
46 | USAA Federal Savings BankBank | Strong | Sound | Sound | Strong | $1,832Fees | 0.120%Below | 70 | |
47 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Sound | Strong | Sound | $1,592Fees | 0.163%Above | 66 | |
48 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,753Fees | 0.512%Above | 62 | |
49 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Strong | Sound | Strong | Sound | $2,527Fees | 0.586%Above | 60 | |
50 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | $2,714Fees | 0.364%Above | 42 |
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.