Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | GREENSTATE Credit UnionCredit Union | Exceptional | Exceptional | Exceptional | Exceptional | $693Fees | 0.096%Above | 503 | |
2 | First Mid Bank & Trust, National AssociationBank | Exceptional | Strong | Strong | Exceptional | $1,177Fees | 0.204%Above | 295 | |
3 | FIRST NORTHERN Credit UnionCredit Union | Exceptional | Strong | Strong | Exceptional | $846Fees | 0.331%Above | 102 | |
4 | Associated Bank, National AssociationBank | Exceptional | Exceptional | Strong | Sound | $677Fees | 0.133%Above | 37 | |
5 | Stillman BancCorp N.A.Bank | Strong | Strong | Sound | Exceptional | $631Fees | 0.256%Above | 94 | |
6 | NORTHWEST BANK OF ROCKFORDBank | Strong | Strong | Sound | Exceptional | $1,290Fees | 0.279%Above | 93 | |
7 | U.S. Bank National AssociationBank | Strong | Strong | Strong | Strong | $742Fees | 0.518%Above | 88 | |
8 | First Community CU of BeloitCredit Union | Strong | Exceptional | Acceptable | Strong | $861Fees | 0.035%Above | 32 | |
9 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | $2,177Fees | 0.656%Above | 114 | |
10 | PNC Bank, National AssociationBank | Strong | Strong | Strong | Sound | $808Credit | 0.588%Above | 32 | |
11 | The Huntington National BankBank | Strong | Strong | Strong | Sound | $400Fees | 0.277%Above | 23 | |
12 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,757Fees | 0.609%Above | 297 | |
13 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,243Fees | 0.795%Above | 190 | |
14 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Strong | $1,928Fees | 0.302%Above | 106 | |
15 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $3,005Fees | 0.875%Above | 49 | |
16 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,005Fees | 0.810%Above | 95 | |
17 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Sound | Strong | Sound | $2,287Fees | 0.584%Above | 43 | |
18 | The First National Bank and Trust CompanyBank | Strong | Sound | Sound | Strong | $1,003Fees | 0.433%Above | 36 | |
19 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Sound | $1,639Fees | 1.319%Above | 30 | |
20 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $1,953Fees | 1.258%Above | 83 | |
21 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,856Fees | 0.840%Above | 83 | |
22 | Barrington Bank & Trust Company, National AssociationBank | Strong | Acceptable | Strong | Strong | $1,166Fees | 0.490%Above | 76 | |
23 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $4,217Fees | 0.509%Above | 50 | |
24 | BMO Bank National AssociationBank | Strong | Sound | Sound | Sound | $318Fees | 0.688%Above | 24 | |
25 | ENVOY MORTGAGE, LTDIndependent Mortgage Company | Sound | Acceptable | Sound | Strong | $2,094Fees | 0.754%Above | 129 | |
26 | Midland States BankBank | Sound | Acceptable | Sound | Strong | $1,295Fees | 0.782%Above | 55 | |
27 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Sound | Acceptable | Strong | Sound | $2,793Fees | 0.196%Above | 24 | |
28 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATIONIndependent Mortgage Company | Sound | Acceptable | Strong | Sound | $1,566Fees | 0.554%Above | 20 | |
29 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Acceptable | Sound | Sound | $1,747Fees | 0.698%Above | 26 | |
30 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | $2,696Fees | 0.739%Above | 24 |
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.