Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | VERIDIAN CREDIT UNIONCredit Union | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $125Fees | 0.232%Below | 506 | |
2 | U.S. Bank National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $887Fees | 0.169%Above | 253 | |
3 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,666Fees | 0.202%Above | 510 | |
4 | FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company | Exceptional | Strong | Strong | Strong | Strong | $1,561Fees | 0.288%Above | 131 | |
5 | BMO Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Sound | $1,048Fees | 0.383%Above | 37 | |
6 | First National Bank of OmahaBank | Strong | Sound | Strong | Acceptable | Exceptional | $1,199Fees | 0.180%Above | 850 | |
7 | First BankBank | Sound | Mediocre | Strong | Strong | Strong | $1,247Fees | 0.145%Above | 130 |
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.