Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Bank First, N.A.Bank | Exceptional | Exceptional | Exceptional | Exceptional | $378Fees | 0.008%Above | 123 | |
2 | Johnson BankBank | Exceptional | Exceptional | Exceptional | Strong | $560Fees | 0.126%Above | 25 | |
3 | Associated Bank, National AssociationBank | Exceptional | Exceptional | Strong | Strong | $432Fees | 0.133%Below | 34 | |
4 | Summit Credit UnionCredit Union | Exceptional | Exceptional | Strong | Strong | $67Fees | 0.090%Above | 27 | |
5 | National Exchange Bank and TrustBank | Exceptional | Strong | Exceptional | Strong | $51Fees | 0.009%Below | 23 | |
6 | KOHLER CREDIT UNIONCredit Union | Strong | Strong | Sound | Exceptional | $834Fees | 0.010%Above | 91 | |
7 | U.S. Bank National AssociationBank | Strong | Strong | Strong | Strong | $634Fees | 0.279%Above | 45 | |
8 | Landmark Credit UnionCredit Union | Strong | Strong | Strong | Sound | $575Fees | 0.058%Above | 21 | |
9 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $4,004Fees | 0.495%Above | 85 | |
10 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,205Fees | 0.509%Above | 65 | |
11 | CIBM BankBank | Strong | Sound | Sound | Strong | $1,368Fees | 0.241%Above | 41 | |
12 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Sound | $2,813Fees | 0.896%Above | 24 | |
13 | Bell BankBank | Strong | Acceptable | Exceptional | Sound | $1,432Fees | 0.614%Above | 24 | |
14 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Acceptable | Sound | Strong | $2,066Fees | 0.681%Above | 31 | |
15 | Mortgage Research Center, LLCIndependent Mortgage Company | Sound | Acceptable | Strong | Sound | $1,175Fees | 0.590%Above | 21 | |
16 | SECURITYNATIONAL MORTGAGE COMPANYIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | $4,601Fees | 1.138%Above | 36 |
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.