Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Summit Credit UnionCredit Union | Exceptional | Exceptional | Strong | Strong | Exceptional | $146Fees | 0.137%Below | 1,027 | |
2 | Lake Ridge BankBank | Exceptional | Exceptional | Strong | Strong | Exceptional | $457Fees | 0.031%Above | 178 | |
3 | U.S. Bank National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $29Credit | 0.123%Above | 139 | |
4 | University of Wisconsin Credit UnionCredit Union | Exceptional | Strong | Strong | Strong | Exceptional | $301Fees | 0.127%Above | 1,316 | |
5 | Old National BankBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,328Fees | 0.089%Below | 97 | |
6 | Barrington Bank & Trust Company, National AssociationBank | Exceptional | Strong | Strong | Sound | Exceptional | $2,020Fees | 0.075%Above | 438 | |
7 | THOMPSON KANE & COMPANY, INCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $1,773Fees | 0.279%Above | 549 | |
8 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $2,116Fees | 0.136%Above | 88 | |
9 | Wings Financial Credit UnionCredit Union | Strong | Strong | Strong | Strong | Sound | $784Fees | 0.052%Below | 46 | |
10 | Johnson BankBank | Strong | Acceptable | Strong | Strong | Strong | $570Fees | 0.059%Below | 176 | |
11 | The Huntington National BankBank | Strong | Acceptable | Exceptional | Strong | Sound | $1,528Fees | 0.334%Above | 30 | |
12 | COMPEER FINANCIAL, FLCAIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Sound | $3,241Fees | 0.731%Above | 27 |
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.