Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Community FirstCredit Union | Exceptional | Exceptional | Exceptional | Exceptional | $610Fees | 0.331%Below | 283 | |
2 | FOX COMMUNITIES Credit UnionCredit Union | Exceptional | Exceptional | Exceptional | Strong | $491Fees | 0.140%Below | 86 | |
3 | Associated Bank, National AssociationBank | Exceptional | Exceptional | Strong | Strong | $487Fees | 0.146%Below | 81 | |
4 | VERVE, A CREDIT UNIONCredit Union | Exceptional | Exceptional | Sound | Exceptional | $658Fees | 0.009%Below | 68 | |
5 | U.S. Bank National AssociationBank | Strong | Strong | Strong | Strong | $459Fees | 0.177%Above | 80 | |
6 | CAPITAL Credit UnionCredit Union | Strong | Strong | Strong | Strong | $627Fees | 0.150%Below | 56 | |
7 | COVANTAGE CREDIT UNIONCredit Union | Strong | Strong | Strong | Strong | $562Fees | 0.523%Above | 42 | |
8 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | $1,559Fees | 0.237%Above | 92 | |
9 | University of Wisconsin Credit UnionCredit Union | Strong | Strong | Strong | Sound | $2,285Fees | 0.016%Above | 23 | |
10 | Nicolet National BankBank | Strong | Sound | Strong | Strong | $887Fees | 0.309%Above | 79 | |
11 | Wells Fargo Bank, National AssociationBank | Strong | Strong | Sound | Sound | $1,432Fees | 0.172%Above | 38 | |
12 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $4,010Fees | 0.486%Above | 120 | |
13 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $1,781Fees | 0.541%Above | 82 | |
14 | Nations Lending CorporationIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,709Fees | 0.432%Above | 60 | |
15 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,022Fees | 0.521%Above | 56 | |
16 | Home State Bank, National AssociationBank | Strong | Sound | Sound | Strong | $1,614Fees | 0.378%Above | 56 | |
17 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Sound | Strong | Sound | $1,198Fees | 0.226%Above | 31 | |
18 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Sound | $1,779Fees | 0.432%Above | 27 | |
19 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | $2,380Fees | 0.562%Above | 24 | |
20 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | $1,886Fees | 0.040%Below | 23 | |
21 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Sound | $2,315Fees | 0.432%Above | 22 | |
22 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $949Fees | 0.430%Above | 52 | |
23 | Barrington Bank & Trust Company, National AssociationBank | Sound | Acceptable | Strong | Sound | $491Fees | 0.208%Above | 31 | |
24 | Waterstone Mortgage CorporationIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | $3,797Fees | 0.359%Above | 56 | |
25 | PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company | Sound | Mediocre | Strong | Strong | $3,992Fees | 0.803%Above | 41 |
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.