Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | FCB BanksBank | Exceptional | Exceptional | Strong | Exceptional | $714Fees | 0.085%Below | 642 | |
2 | Midwest BankCentreBank | Exceptional | Exceptional | Strong | Exceptional | $669Fees | 0.009%Above | 388 | |
3 | VICTORY MORTGAGE, L.L.C.Independent Mortgage Company | Exceptional | Exceptional | Strong | Strong | $658Fees | 0.143%Above | 164 | |
4 | Associated Bank, National AssociationBank | Exceptional | Exceptional | Strong | Strong | $217Fees | 0.146%Above | 139 | |
5 | United Community BankBank | Exceptional | Exceptional | Strong | Strong | $155Fees | 0.176%Above | 137 | |
6 | United Bank of UnionBank | Exceptional | Exceptional | Strong | Strong | $910Fees | 0.366%Below | 107 | |
7 | Stifel Bank and TrustBank | Exceptional | Strong | Strong | Exceptional | $267Fees | 0.063%Below | 1,013 | |
8 | U.S. Bank National AssociationBank | Exceptional | Strong | Strong | Exceptional | $552Fees | 0.186%Above | 783 | |
9 | First State Bank of St. Charles, MissouriBank | Exceptional | Strong | Strong | Exceptional | $1,306Fees | 0.165%Above | 646 | |
10 | Carrollton BankBank | Exceptional | Strong | Strong | Exceptional | $828Fees | 0.169%Above | 589 | |
11 | SCOTT CREDIT UNIONCredit Union | Exceptional | Strong | Strong | Exceptional | $674Fees | 0.061%Above | 458 | |
12 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Sound | Strong | $348Fees | 0.438%Below | 272 | |
13 | Busey BankBank | Exceptional | Strong | Exceptional | Strong | $861Fees | 0.350%Above | 139 | |
14 | Bank of SpringfieldBank | Exceptional | Strong | Exceptional | Strong | $788Fees | 0.296%Above | 131 | |
15 | U S WIDE FINANCIAL LLCIndependent Mortgage Company | Exceptional | Exceptional | Sound | Strong | $372Credit | 0.175%Below | 112 | |
16 | NBKC BANKBank | Exceptional | Exceptional | Sound | Strong | $191Fees | 0.203%Below | 99 | |
17 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $1,198Fees | 0.313%Above | 1,857 | |
18 | FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $1,224Fees | 0.392%Above | 1,380 | |
19 | JLB CORPORATIONIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $3,484Fees | 0.354%Above | 411 | |
20 | TOGETHER CREDIT UNIONCredit Union | Strong | Strong | Sound | Exceptional | $803Fees | 0.033%Above | 363 | |
21 | Bank of America, National AssociationBank | Strong | Strong | Strong | Strong | $1,282Fees | 0.037%Below | 331 | |
22 | First BankBank | Strong | Strong | Strong | Strong | $1,098Fees | 0.237%Above | 255 | |
23 | Truist BankBank | Strong | Strong | Strong | Strong | $362Fees | 0.261%Above | 226 | |
24 | First Mid Bank & Trust, National AssociationBank | Strong | Strong | Strong | Strong | $826Fees | 0.145%Above | 124 | |
25 | Sullivan BankBank | Strong | Strong | Strong | Strong | $588Fees | 0.134%Above | 104 | |
26 | PNC Bank, National AssociationBank | Strong | Strong | Strong | Strong | $630Fees | 0.206%Above | 93 | |
27 | Great Southern BankBank | Strong | Strong | Strong | Strong | $874Fees | 0.196%Above | 79 | |
28 | PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company | Strong | Exceptional | Sound | Sound | $1,254Fees | 0.077%Above | 76 | |
29 | DELMAR FINANCIAL COMPANYIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | $1,369Fees | 0.341%Above | 1,006 | |
30 | GERSHMAN INVESTMENT CORP.Independent Mortgage Company | Strong | Sound | Strong | Exceptional | $1,367Fees | 0.555%Above | 709 | |
31 | The Central Trust BankBank | Strong | Sound | Strong | Exceptional | $889Fees | 0.305%Above | 632 | |
32 | Regions BankBank | Strong | Sound | Strong | Exceptional | $1,290Fees | 0.421%Above | 443 | |
33 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | $1,047Fees | 0.532%Above | 167 | |
34 | Wells Fargo Bank, National AssociationBank | Strong | Strong | Sound | Strong | $1,987Fees | 0.135%Above | 159 | |
35 | VANTAGE Credit UnionCredit Union | Strong | Strong | Sound | Strong | $1,094Fees | 0.112%Above | 116 | |
36 | First National Bank of WaterlooBank | Strong | Strong | Sound | Strong | $505Fees | 0.160%Below | 98 | |
37 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $2,118Fees | 0.519%Above | 2,800 | |
38 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,559Fees | 0.446%Above | 1,941 | |
39 | DAS Acquisition Company, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $1,824Fees | 0.649%Above | 1,731 | |
40 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Strong | $1,566Fees | 0.187%Above | 432 | |
41 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | $2,071Fees | 0.520%Above | 344 | |
42 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Strong | $1,999Fees | 0.806%Above | 338 | |
43 | Paramount BankBank | Strong | Sound | Sound | Exceptional | $1,558Fees | 0.303%Above | 243 | |
44 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $1,997Fees | 0.052%Below | 220 | |
45 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $3,088Fees | 0.381%Above | 175 | |
46 | First Horizon BankBank | Strong | Sound | Strong | Strong | $818Fees | 0.248%Above | 119 | |
47 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $1,738Fees | 0.533%Above | 923 | |
48 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $2,496Fees | 0.415%Above | 516 | |
49 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,010Fees | 0.567%Above | 470 | |
50 | FAMILY FINANCE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $1,694Fees | 0.693%Above | 270 |
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.