Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | VERIDIAN CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Exceptional | $376Fees | 0.195%Below | 771 | |
2 | GREENSTATE Credit UnionCredit Union | Exceptional | Exceptional | Exceptional | Exceptional | $13Credit | 0.170%Below | 435 | |
3 | IOWA BANKERS MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Exceptional | Exceptional | Strong | $947Fees | 0.203%Below | 53 | |
4 | DUPACO COMMUNITYCredit Union | Exceptional | Exceptional | Exceptional | Strong | $1,786Fees | 0.111%Below | 39 | |
5 | Farmers State BankBank | Exceptional | Exceptional | Sound | Strong | $1,007Fees | 0.040%Above | 83 | |
6 | Lincoln Savings BankBank | Strong | Strong | Strong | Strong | $1,351Fees | 0.283%Above | 67 | |
7 | Empeople Credit UnionCredit Union | Strong | Strong | Sound | Sound | $967Fees | 0.115%Below | 34 | |
8 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | $3,084Fees | 0.543%Above | 59 | |
9 | Mortgage Research Center, LLCIndependent Mortgage Company | Sound | Acceptable | Strong | Sound | $6,362Fees | 0.979%Above | 28 | |
10 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | $3,093Fees | 0.441%Above | 48 |
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.