Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Johnson BankBank | Exceptional | Exceptional | Exceptional | Exceptional | Exceptional | $379Fees | 0.119%Above | 462 | |
2 | Associated Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $425Fees | 0.055%Below | 569 | |
3 | Summit Credit UnionCredit Union | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $30Credit | 0.075%Below | 505 | |
4 | EDUCATORS CREDIT UNIONCredit Union | Exceptional | Exceptional | Strong | Strong | Exceptional | $11Fees | 0.138%Below | 414 | |
5 | Old National BankBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $927Fees | 0.065%Below | 96 | |
6 | University of Wisconsin Credit UnionCredit Union | Exceptional | Strong | Exceptional | Strong | Exceptional | $261Fees | 0.158%Above | 692 | |
7 | PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company | Exceptional | Exceptional | Exceptional | Sound | Strong | $927Fees | 0.102%Above | 85 | |
8 | Bank First, N.A.Bank | Exceptional | Exceptional | Strong | Exceptional | Sound | $294Fees | 0.049%Above | 40 | |
9 | Landmark Credit UnionCredit Union | Exceptional | Strong | Strong | Strong | Exceptional | $555Fees | 0.043%Above | 1,064 | |
10 | Bank Five NineBank | Exceptional | Strong | Strong | Strong | Exceptional | $919Fees | 0.210%Above | 567 | |
11 | A + MORTGAGE SERVICES, INC.Independent Mortgage Company | Exceptional | Strong | Strong | Strong | Exceptional | $1,306Fees | 0.313%Above | 373 | |
12 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $264Fees | 0.144%Above | 230 | |
13 | The Huntington National BankBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,105Fees | 0.335%Above | 197 | |
14 | The Equitable Bank, S.S.B.Bank | Exceptional | Exceptional | Sound | Sound | Exceptional | $656Fees | 0.023%Above | 197 | |
15 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Sound | $597Fees | 0.433%Below | 58 | |
16 | National Exchange Bank and TrustBank | Exceptional | Strong | Strong | Exceptional | Strong | $71Fees | 0.041%Above | 43 | |
17 | Waukesha State BankBank | Exceptional | Strong | Sound | Strong | Exceptional | $337Fees | 0.149%Above | 313 | |
18 | FIRST STATE MORTGAGE SERVICES, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $658Fees | 0.353%Above | 92 | |
19 | PNC Bank, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Sound | $304Credit | 0.167%Above | 56 | |
20 | KOHLER CREDIT UNIONCredit Union | Exceptional | Strong | Strong | Strong | Strong | $819Fees | 0.106%Below | 42 | |
21 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,758Fees | 0.377%Above | 815 | |
22 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $1,738Fees | 0.258%Above | 590 | |
23 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $1,927Fees | 0.133%Above | 357 | |
24 | Great Midwest Bank, S.S.B.Bank | Strong | Strong | Sound | Sound | Exceptional | $523Fees | 0.202%Above | 277 | |
25 | WISCONSIN MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Strong | Sound | Sound | Exceptional | $923Fees | 0.147%Above | 251 | |
26 | Barrington Bank & Trust Company, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $1,716Fees | 0.241%Above | 220 | |
27 | BMO Bank National AssociationBank | Strong | Strong | Strong | Sound | Strong | $39Credit | 0.300%Above | 160 | |
28 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,955Fees | 0.458%Above | 126 | |
29 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,334Fees | 0.367%Above | 114 | |
30 | Wells Fargo Bank, National AssociationBank | Strong | Strong | Exceptional | Sound | Sound | $2,133Fees | 0.067%Above | 65 | |
31 | TRUSTONE FINANCIAL CREDIT UNIONCredit Union | Strong | Strong | Strong | Sound | Strong | $758Fees | 0.119%Above | 54 | |
32 | Citizens Bank, National AssociationBank | Strong | Strong | Exceptional | Sound | Sound | $318Fees | 0.031%Above | 43 | |
33 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,765Fees | 0.472%Above | 953 | |
34 | Nations Lending CorporationIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,876Fees | 0.484%Above | 110 | |
35 | NexBankBank | Strong | Sound | Strong | Strong | Strong | $1,781Fees | 0.414%Above | 91 | |
36 | AMERIHOME MORTGAGE COMPANY, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $1,413Fees | 0.317%Above | 80 | |
37 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $758Fees | 0.080%Above | 77 | |
38 | CIBM BankBank | Strong | Sound | Strong | Strong | Strong | $432Fees | 0.367%Above | 65 | |
39 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,497Fees | 0.357%Above | 408 | |
40 | FIRST COLONY MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,562Fees | 0.337%Above | 306 | |
41 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,713Fees | 0.675%Above | 248 | |
42 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,432Fees | 0.142%Above | 225 | |
43 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,178Fees | 0.505%Above | 193 | |
44 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,894Fees | 0.251%Above | 172 | |
45 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,223Fees | 0.590%Above | 159 | |
46 | Bell BankBank | Strong | Acceptable | Exceptional | Strong | Strong | $1,949Fees | 0.452%Above | 153 | |
47 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,559Fees | 0.389%Above | 110 | |
48 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,357Fees | 0.485%Above | 108 | |
49 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,604Fees | 0.492%Above | 101 | |
50 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,208Fees | 0.438%Above | 97 |
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.