Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Fifth Third Bank, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,337Fees | 0.263%Above | 290 | |
2 | Stock Yards Bank & Trust CompanyBank | Exceptional | Strong | Strong | Strong | Exceptional | $946Fees | 0.160%Above | 566 | |
3 | Old National BankBank | Exceptional | Strong | Exceptional | Strong | Strong | $673Fees | 0.276%Below | 70 | |
4 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,085Fees | 0.562%Above | 2,139 | |
5 | First Financial BankBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,715Fees | 0.365%Above | 406 | |
6 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,794Fees | 0.238%Above | 404 | |
7 | Republic Bank & Trust CompanyBank | Strong | Strong | Sound | Acceptable | Exceptional | $1,142Fees | 0.208%Above | 370 | |
8 | Guardian Savings BankBank | Strong | Sound | Strong | Strong | Strong | $884Fees | 0.174%Above | 48 | |
9 | LibertyCredit Union | Strong | Acceptable | Strong | Strong | Strong | $1,660Fees | 0.510%Above | 159 | |
10 | Farm Credit Mid-America, ACAIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $5,292Fees | 0.498%Above | 69 |
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.