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 | $873Fees | 0.173%Above | 1,505 | |
2 | Wells Fargo Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $2,002Fees | 0.060%Above | 1,187 | |
3 | Bank of America, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,524Fees | 0.023%Below | 210 | |
4 | Associated Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Sound | Strong | $821Fees | 0.198%Below | 219 | |
5 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $712Fees | 0.499%Below | 213 | |
6 | Royal Credit UnionCredit Union | Exceptional | Strong | Strong | Strong | Exceptional | $3,081Fees | 0.268%Above | 1,205 | |
7 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $3,257Fees | 0.224%Above | 977 | |
8 | Wings Financial Credit UnionCredit Union | Exceptional | Strong | Strong | Strong | Exceptional | $1,424Fees | 0.244%Below | 677 | |
9 | Frandsen Bank & TrustBank | Exceptional | Strong | Strong | Strong | Exceptional | $2,442Fees | 0.065%Above | 418 | |
10 | Old National BankBank | Exceptional | Strong | Exceptional | Strong | Strong | $977Fees | 0.128%Below | 331 | |
11 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,056Fees | 0.293%Above | 4,740 | |
12 | Bell BankBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,925Fees | 0.253%Above | 4,389 | |
13 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,910Fees | 0.325%Above | 3,524 | |
14 | TRUSTONE FINANCIAL CREDIT UNIONCredit Union | Exceptional | Strong | Strong | Sound | Exceptional | $1,571Fees | 0.014%Below | 1,006 | |
15 | Think Mutual BankBank | Exceptional | Strong | Strong | Strong | Strong | $1,935Fees | 0.098%Below | 333 | |
16 | Baxter Credit UnionCredit Union | Exceptional | Exceptional | Sound | Sound | Strong | $924Fees | 0.007%Below | 173 | |
17 | Alerus Financial, National AssociationBank | Strong | Sound | Strong | Strong | Exceptional | $1,608Fees | 0.259%Above | 958 | |
18 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,482Fees | 0.106%Above | 936 | |
19 | Tradition Mortgage, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $2,101Fees | 0.205%Above | 925 | |
20 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $2,267Fees | 0.142%Above | 396 | |
21 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,865Fees | 0.409%Above | 2,661 | |
22 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,456Fees | 0.465%Above | 2,146 | |
23 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,669Fees | 0.249%Above | 1,495 | |
24 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $2,963Fees | 0.265%Above | 948 | |
25 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $2,937Fees | 0.358%Above | 718 | |
26 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Exceptional | $3,706Fees | 0.511%Above | 1,611 | |
27 | The Huntington National BankBank | Strong | Acceptable | Exceptional | Strong | Strong | $1,536Fees | 0.269%Above | 680 | |
28 | North Shore Bank of CommerceBank | Strong | Acceptable | Strong | Strong | Exceptional | $3,437Fees | 0.191%Above | 477 | |
29 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,959Fees | 0.416%Above | 467 | |
30 | Summit Mortgage CorporationIndependent Mortgage Company | Strong | Acceptable | Sound | Strong | Exceptional | $3,170Fees | 0.354%Above | 639 | |
31 | HomeTown BankBank | Strong | Sound | — | Sound | Strong | $2,530Fees | 0.063%Below | 149 | |
32 | Luminate Home Loans, Inc.Independent Mortgage Company | Strong | Mediocre | Exceptional | Sound | Exceptional | $4,543Fees | 0.416%Above | 1,296 | |
33 | EVERETT FINANCIAL, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Sound | Exceptional | $4,091Fees | 0.719%Above | 822 | |
34 | Bremer Bank, National AssociationBank | Strong | Mediocre | Strong | Strong | Exceptional | $2,946Fees | 0.260%Above | 716 | |
35 | COMPEER FINANCIAL, FLCAIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $2,446Fees | 0.829%Above | 219 |
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.