Safe Rate Rankings
Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | U.S. Bank National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $552Fees | 0.186%Above | 783 | |
2 | Stifel Bank and TrustBank | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $267Fees | 0.063%Below | 1,013 | |
3 | Bank of America, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,282Fees | 0.037%Below | 331 | |
4 | Wells Fargo Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,987Fees | 0.135%Above | 159 | |
5 | Associated Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Sound | Strong | $217Fees | 0.146%Above | 139 | |
6 | FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company | Exceptional | Strong | Strong | Strong | Exceptional | $1,224Fees | 0.392%Above | 1,380 | |
7 | Carrollton BankBank | Exceptional | Strong | Strong | Strong | Exceptional | $828Fees | 0.169%Above | 589 | |
8 | TOGETHER CREDIT UNIONCredit Union | Exceptional | Strong | Strong | Strong | Exceptional | $803Fees | 0.033%Above | 363 | |
9 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,559Fees | 0.446%Above | 1,941 | |
10 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,198Fees | 0.313%Above | 1,857 | |
11 | First State Bank of St. Charles, MissouriBank | Exceptional | Sound | Strong | Exceptional | Exceptional | $1,306Fees | 0.165%Above | 646 | |
12 | The Central Trust BankBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $889Fees | 0.305%Above | 632 | |
13 | SCOTT CREDIT UNIONCredit Union | Exceptional | Strong | — | Strong | Exceptional | $674Fees | 0.061%Above | 458 | |
14 | Regions BankBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,290Fees | 0.421%Above | 443 | |
15 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Exceptional | $2,496Fees | 0.415%Above | 516 | |
16 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $1,566Fees | 0.187%Above | 432 | |
17 | Commerce BankBank | Strong | Strong | Strong | Sound | Strong | $220Fees | 0.270%Above | 230 | |
18 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,118Fees | 0.519%Above | 2,800 | |
19 | DAS Acquisition Company, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Exceptional | $1,824Fees | 0.649%Above | 1,731 | |
20 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Exceptional | $2,077Fees | 0.654%Above | 1,836 | |
21 | First BankBank | Sound | Mediocre | Strong | Strong | Strong | $1,098Fees | 0.237%Above | 255 |
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.