Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Royal Credit UnionCredit Union | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,928Fees | 0.241%Above | 1,191 | |
2 | Old National BankBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $954Fees | 0.145%Below | 298 | |
3 | Associated Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $723Fees | 0.203%Below | 273 | |
4 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $677Fees | 0.140%Above | 972 | |
5 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $663Fees | 0.525%Below | 142 | |
6 | PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company | Exceptional | Exceptional | Exceptional | Sound | Strong | $788Fees | 0.082%Below | 119 | |
7 | Wells Fargo Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Exceptional | $1,830Fees | 0.004%Below | 880 | |
8 | The Huntington National BankBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,501Fees | 0.244%Above | 601 | |
9 | Bank of America, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,518Fees | 0.079%Below | 191 | |
10 | MEGASTAR FINANCIAL CORP.Independent Mortgage Company | Exceptional | Exceptional | Strong | Sound | Strong | $6,765Credit | 0.340%Above | 172 | |
11 | Baxter Credit UnionCredit Union | Exceptional | Exceptional | Strong | Sound | Strong | $852Fees | 0.008%Below | 154 | |
12 | TRUSTONE FINANCIAL CREDIT UNIONCredit Union | Exceptional | Strong | Strong | Sound | Exceptional | $1,544Fees | 0.021%Below | 908 | |
13 | Wings Financial Credit UnionCredit Union | Exceptional | Strong | Strong | Sound | Exceptional | $1,446Fees | 0.247%Below | 571 | |
14 | Merchants Bank, National AssociationBank | Exceptional | Strong | Strong | Strong | Strong | $1,923Fees | 0.099%Below | 94 | |
15 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,020Fees | 0.265%Above | 3,122 | |
16 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,083Fees | 0.255%Above | 2,263 | |
17 | Tradition Mortgage, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $2,007Fees | 0.191%Above | 826 | |
18 | Alerus Financial, National AssociationBank | Strong | Sound | Strong | Strong | Exceptional | $1,331Fees | 0.322%Above | 647 | |
19 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,799Fees | 0.175%Above | 620 | |
20 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,486Fees | 0.301%Above | 427 | |
21 | Spire Credit UnionCredit Union | Strong | Strong | Sound | Sound | Exceptional | $1,102Fees | 0.037%Above | 424 | |
22 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,459Fees | 0.156%Above | 335 | |
23 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $2,172Fees | 0.122%Above | 328 | |
24 | Barrington Bank & Trust Company, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $2,682Fees | 0.362%Above | 223 | |
25 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Strong | Strong | Sound | Strong | $1,539Fees | 0.087%Above | 167 | |
26 | Bell BankBank | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,964Fees | 0.254%Above | 3,624 | |
27 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,854Fees | 0.393%Above | 2,217 | |
28 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,504Fees | 0.404%Above | 1,467 | |
29 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,775Fees | 0.235%Above | 1,250 | |
30 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $2,421Fees | 0.109%Above | 745 | |
31 | Bremer Bank, National AssociationBank | Strong | Sound | Strong | Strong | Strong | $3,146Fees | 0.216%Above | 204 | |
32 | NexBankBank | Strong | Sound | Strong | Strong | Strong | $1,432Fees | 0.192%Above | 188 | |
33 | Servion, Inc.Independent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $2,251Fees | 0.158%Above | 161 | |
34 | Frandsen Bank & TrustBank | Strong | Sound | Strong | Strong | Strong | $2,561Fees | 0.013%Below | 117 | |
35 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Exceptional | $3,793Fees | 0.470%Above | 1,187 | |
36 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,495Fees | 0.185%Above | 634 | |
37 | Summit Mortgage CorporationIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $3,358Fees | 0.344%Above | 468 | |
38 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,711Fees | 0.444%Above | 440 | |
39 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,983Fees | 0.455%Above | 436 | |
40 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,291Fees | 0.272%Above | 431 | |
41 | SWBC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,690Fees | 0.449%Above | 375 | |
42 | Flagstar Bank, N.A.Bank | Strong | Acceptable | Exceptional | Strong | Strong | $2,303Fees | 0.304%Above | 325 | |
43 | AFFINITY PLUSCredit Union | Strong | Sound | Strong | Sound | Strong | $2,556Fees | 0.054%Below | 300 | |
44 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,719Fees | 0.517%Above | 278 | |
45 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $2,879Fees | 0.281%Above | 274 | |
46 | Plains Commerce BankBank | Strong | Acceptable | Exceptional | Strong | Strong | $2,553Fees | 0.291%Above | 221 | |
47 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,388Fees | 0.299%Above | 198 | |
48 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,779Fees | 0.238%Above | 194 | |
49 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,446Fees | 0.500%Above | 165 | |
50 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $5,014Fees | 0.601%Above | 135 |
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.