Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | United Community BankBank | Exceptional | Exceptional | Strong | Exceptional | $106Fees | 0.076%Above | 196 | |
2 | HEARTLANDCredit Union | Exceptional | Exceptional | Strong | Exceptional | $535Fees | 0.101%Below | 124 | |
3 | CITIZENS EQUITY FIRSTCredit Union | Exceptional | Exceptional | Exceptional | Strong | $58Credit | 0.137%Above | 86 | |
4 | INB, National AssociationBank | Exceptional | Strong | Exceptional | Exceptional | $637Fees | 0.292%Above | 410 | |
5 | Bank of SpringfieldBank | Exceptional | Strong | Exceptional | Exceptional | $443Fees | 0.042%Above | 267 | |
6 | Prairie State Bank and TrustBank | Exceptional | Exceptional | Sound | Strong | $549Fees | 0.042%Above | 37 | |
7 | PNC Bank, National AssociationBank | Strong | Strong | Strong | Strong | $373Credit | 0.493%Above | 75 | |
8 | Carrollton BankBank | Strong | Strong | Strong | Strong | $756Fees | 0.080%Above | 56 | |
9 | FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | $1,069Fees | 0.480%Above | 69 | |
10 | Heartland Bank and Trust CompanyBank | Strong | Strong | Sound | Strong | $390Fees | 0.488%Above | 66 | |
11 | U.S. Bank National AssociationBank | Strong | Strong | Strong | Sound | $679Fees | 0.516%Above | 26 | |
12 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | $1,477Fees | 0.469%Above | 94 | |
13 | Morton Community BankBank | Strong | Sound | Strong | Strong | $683Fees | 0.526%Above | 53 | |
14 | Petefish, Skiles & Co.Bank | Strong | Strong | Sound | Sound | $488Fees | 0.093%Above | 28 | |
15 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,327Fees | 0.674%Above | 114 | |
16 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Sound | $1,177Fees | 0.291%Above | 39 | |
17 | AFFORDABLE MORTGAGE ADVISORS, LLC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $1,997Fees | 1.026%Above | 71 | |
18 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Acceptable | Sound | Strong | $1,711Fees | 0.758%Above | 55 | |
19 | LEADERONE FINANCIAL CORPORATIONIndependent Mortgage Company | Sound | Acceptable | Strong | Sound | $2,416Fees | 1.304%Above | 20 | |
20 | DIAMOND RESIDENTIAL MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Strong | Sound | $1,695Fees | 1.125%Above | 25 |
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.