Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | U.S. Bank National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $677Fees | 0.140%Above | 972 | |
2 | Wells Fargo Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $1,830Fees | 0.004%Below | 880 | |
3 | Bank of America, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,518Fees | 0.079%Below | 191 | |
4 | Associated Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Sound | Strong | $723Fees | 0.203%Below | 273 | |
5 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $663Fees | 0.525%Below | 142 | |
6 | Royal Credit UnionCredit Union | Exceptional | Strong | Strong | Strong | Exceptional | $2,928Fees | 0.241%Above | 1,191 | |
7 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $3,495Fees | 0.185%Above | 634 | |
8 | Wings Financial Credit UnionCredit Union | Exceptional | Strong | Strong | Strong | Exceptional | $1,446Fees | 0.247%Below | 571 | |
9 | Old National BankBank | Exceptional | Strong | Exceptional | Strong | Strong | $954Fees | 0.145%Below | 298 | |
10 | Bell BankBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,964Fees | 0.254%Above | 3,624 | |
11 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,020Fees | 0.265%Above | 3,122 | |
12 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,083Fees | 0.255%Above | 2,263 | |
13 | TRUSTONE FINANCIAL CREDIT UNIONCredit Union | Exceptional | Strong | Strong | Sound | Exceptional | $1,544Fees | 0.021%Below | 908 | |
14 | Baxter Credit UnionCredit Union | Exceptional | Exceptional | Sound | Sound | Strong | $852Fees | 0.008%Below | 154 | |
15 | Frandsen Bank & TrustBank | Exceptional | Strong | Strong | Strong | Strong | $2,561Fees | 0.013%Below | 117 | |
16 | Tradition Mortgage, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $2,007Fees | 0.191%Above | 826 | |
17 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,421Fees | 0.109%Above | 745 | |
18 | Alerus Financial, National AssociationBank | Strong | Sound | Strong | Strong | Exceptional | $1,331Fees | 0.322%Above | 647 | |
19 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $2,172Fees | 0.122%Above | 328 | |
20 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,854Fees | 0.393%Above | 2,217 | |
21 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,504Fees | 0.404%Above | 1,467 | |
22 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,775Fees | 0.235%Above | 1,250 | |
23 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $2,962Fees | 0.354%Above | 575 | |
24 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Exceptional | $3,793Fees | 0.470%Above | 1,187 | |
25 | The Huntington National BankBank | Strong | Acceptable | Exceptional | Strong | Strong | $1,501Fees | 0.244%Above | 601 | |
26 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,983Fees | 0.455%Above | 436 | |
27 | Luminate Home Loans, Inc.Independent Mortgage Company | Strong | Mediocre | Exceptional | Sound | Exceptional | $4,563Fees | 0.391%Above | 1,130 | |
28 | EVERETT FINANCIAL, INC.Independent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $4,234Fees | 0.638%Above | 592 | |
29 | Bremer Bank, National AssociationBank | Sound | Mediocre | Strong | Strong | Strong | $3,146Fees | 0.216%Above | 204 |
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.