Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | IOWA BANKERS MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Exceptional | Exceptional | Exceptional | Strong | $2,324Fees | 0.030%Above | 159 | |
2 | Royal Credit UnionCredit Union | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $3,081Fees | 0.268%Above | 1,205 | |
3 | Old National BankBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $977Fees | 0.128%Below | 331 | |
4 | Associated Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $821Fees | 0.198%Below | 219 | |
5 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $873Fees | 0.173%Above | 1,505 | |
6 | Gate City BankBank | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,700Fees | 0.206%Below | 321 | |
7 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $712Fees | 0.499%Below | 213 | |
8 | Wells Fargo Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Exceptional | $2,002Fees | 0.060%Above | 1,187 | |
9 | The Huntington National BankBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,536Fees | 0.269%Above | 680 | |
10 | Merchants Bank, National AssociationBank | Exceptional | Strong | Strong | Strong | Exceptional | $2,010Fees | 0.053%Below | 538 | |
11 | MAGNIFI FINANCIAL CREDIT UNIONCredit Union | Exceptional | Strong | Strong | Strong | Exceptional | $832Fees | 0.068%Below | 439 | |
12 | Bank of America, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,524Fees | 0.023%Below | 210 | |
13 | MEGASTAR FINANCIAL CORP.Independent Mortgage Company | Exceptional | Exceptional | Strong | Sound | Strong | $6,798Credit | 0.338%Above | 189 | |
14 | Liberty Bank MinnesotaBank | Exceptional | Strong | Strong | Exceptional | Strong | $1,085Fees | 0.141%Above | 187 | |
15 | Baxter Credit UnionCredit Union | Exceptional | Exceptional | Strong | Sound | Strong | $924Fees | 0.007%Below | 173 | |
16 | TRUSTONE FINANCIAL CREDIT UNIONCredit Union | Exceptional | Strong | Strong | Sound | Exceptional | $1,571Fees | 0.014%Below | 1,006 | |
17 | Wings Financial Credit UnionCredit Union | Exceptional | Strong | Strong | Sound | Exceptional | $1,424Fees | 0.244%Below | 677 | |
18 | Think Mutual BankBank | Exceptional | Strong | Strong | Strong | Strong | $1,935Fees | 0.098%Below | 333 | |
19 | ALTRA Federal Credit UnionCredit Union | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,721Fees | 0.225%Above | 246 | |
20 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,056Fees | 0.293%Above | 4,740 | |
21 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,910Fees | 0.325%Above | 3,524 | |
22 | Alerus Financial, National AssociationBank | Strong | Sound | Strong | Strong | Exceptional | $1,608Fees | 0.259%Above | 958 | |
23 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,963Fees | 0.265%Above | 948 | |
24 | Tradition Mortgage, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $2,101Fees | 0.205%Above | 925 | |
25 | Bremer Bank, National AssociationBank | Strong | Sound | Strong | Strong | Exceptional | $2,946Fees | 0.260%Above | 716 | |
26 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,423Fees | 0.155%Above | 595 | |
27 | Spire Credit UnionCredit Union | Strong | Strong | Sound | Sound | Exceptional | $1,064Fees | 0.048%Above | 527 | |
28 | Servion, Inc.Independent Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $2,269Fees | 0.253%Above | 512 | |
29 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,359Fees | 0.312%Above | 460 | |
30 | Frandsen Bank & TrustBank | Strong | Sound | Strong | Strong | Exceptional | $2,442Fees | 0.065%Above | 418 | |
31 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $2,267Fees | 0.142%Above | 396 | |
32 | Barrington Bank & Trust Company, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $2,720Fees | 0.403%Above | 281 | |
33 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Strong | Strong | Sound | Strong | $1,735Fees | 0.092%Above | 204 | |
34 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,571Fees | 0.291%Above | 153 | |
35 | First Federal BankBank | Strong | Strong | Strong | Sound | Strong | $2,160Fees | 0.269%Below | 152 | |
36 | Bell BankBank | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,925Fees | 0.253%Above | 4,389 | |
37 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,865Fees | 0.409%Above | 2,661 | |
38 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,456Fees | 0.465%Above | 2,146 | |
39 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,669Fees | 0.249%Above | 1,495 | |
40 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $2,482Fees | 0.106%Above | 936 | |
41 | AFFINITY PLUSCredit Union | Strong | Sound | Strong | Sound | Exceptional | $2,250Fees | 0.011%Below | 552 | |
42 | North Shore Bank of CommerceBank | Strong | Acceptable | Strong | Exceptional | Exceptional | $3,437Fees | 0.191%Above | 477 | |
43 | NexBankBank | Strong | Sound | Strong | Strong | Strong | $1,536Fees | 0.213%Above | 222 | |
44 | CORTRUST MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $3,033Fees | 0.110%Below | 171 | |
45 | Nations Lending CorporationIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,959Fees | 0.494%Above | 169 | |
46 | First Western Bank & TrustBank | Strong | Sound | Strong | Strong | Strong | $3,078Fees | 0.108%Below | 142 | |
47 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,257Fees | 0.224%Above | 977 | |
48 | Summit Mortgage CorporationIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $3,170Fees | 0.354%Above | 639 | |
49 | Flagstar Bank, N.A.Bank | Strong | Acceptable | Exceptional | Strong | Strong | $2,385Fees | 0.259%Above | 578 | |
50 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,714Fees | 0.448%Above | 507 |
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.