Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Johnson BankBank | Exceptional | Exceptional | Exceptional | Exceptional | $509Fees | 0.035%Above | 1,674 | |
2 | Community FirstCredit Union | Exceptional | Exceptional | Exceptional | Exceptional | $604Fees | 0.335%Below | 1,153 | |
3 | FOX COMMUNITIES Credit UnionCredit Union | Exceptional | Exceptional | Exceptional | Exceptional | $524Fees | 0.145%Below | 701 | |
4 | Bank First, N.A.Bank | Exceptional | Exceptional | Exceptional | Exceptional | $242Fees | 0.002%Above | 655 | |
5 | Summit Credit UnionCredit Union | Exceptional | Exceptional | Strong | Exceptional | $65Fees | 0.077%Below | 2,419 | |
6 | Associated Bank, National AssociationBank | Exceptional | Exceptional | Strong | Exceptional | $534Fees | 0.047%Below | 2,002 | |
7 | EDUCATORS CREDIT UNIONCredit Union | Exceptional | Exceptional | Strong | Exceptional | $35Fees | 0.124%Below | 890 | |
8 | DUPACO COMMUNITYCredit Union | Exceptional | Exceptional | Exceptional | Strong | $1,653Fees | 0.262%Below | 167 | |
9 | Royal Credit UnionCredit Union | Exceptional | Strong | Exceptional | Exceptional | $498Fees | 0.101%Above | 1,070 | |
10 | Old National BankBank | Exceptional | Exceptional | Strong | Strong | $1,095Fees | 0.029%Below | 330 | |
11 | National Exchange Bank and TrustBank | Exceptional | Strong | Exceptional | Exceptional | $111Fees | 0.032%Above | 281 | |
12 | Lake Ridge BankBank | Exceptional | Exceptional | Strong | Strong | $475Fees | 0.039%Above | 240 | |
13 | The Equitable Bank, S.S.B.Bank | Exceptional | Exceptional | Strong | Strong | $662Fees | 0.014%Above | 221 | |
14 | Horicon BankBank | Exceptional | Exceptional | Strong | Strong | $209Fees | 0.006%Below | 196 | |
15 | The Park BankBank | Exceptional | Exceptional | Strong | Strong | $361Fees | 0.072%Below | 170 | |
16 | University of Wisconsin Credit UnionCredit Union | Exceptional | Strong | Strong | Exceptional | $398Fees | 0.153%Above | 2,546 | |
17 | Landmark Credit UnionCredit Union | Exceptional | Strong | Strong | Exceptional | $572Fees | 0.047%Above | 1,438 | |
18 | U.S. Bank National AssociationBank | Exceptional | Strong | Strong | Exceptional | $486Fees | 0.170%Above | 1,404 | |
19 | COVANTAGE CREDIT UNIONCredit Union | Exceptional | Strong | Strong | Exceptional | $772Fees | 0.073%Above | 1,307 | |
20 | Bank Five NineBank | Exceptional | Strong | Strong | Exceptional | $1,040Fees | 0.200%Above | 1,027 | |
21 | CAPITAL Credit UnionCredit Union | Exceptional | Strong | Strong | Exceptional | $624Fees | 0.156%Below | 598 | |
22 | A + MORTGAGE SERVICES, INC.Independent Mortgage Company | Exceptional | Strong | Strong | Exceptional | $1,425Fees | 0.302%Above | 480 | |
23 | WISCONSIN MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Strong | Exceptional | $938Fees | 0.155%Above | 387 | |
24 | Waukesha State BankBank | Exceptional | Strong | Strong | Exceptional | $337Fees | 0.151%Above | 374 | |
25 | The Bank of New GlarusBank | Exceptional | Strong | Strong | Exceptional | $567Fees | 0.306%Above | 319 | |
26 | Great Midwest Bank, S.S.B.Bank | Exceptional | Strong | Strong | Exceptional | $556Fees | 0.193%Above | 317 | |
27 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Sound | Strong | $570Fees | 0.446%Below | 313 | |
28 | First Federal BankBank | Exceptional | Exceptional | Sound | Strong | $815Fees | 0.098%Above | 225 | |
29 | Peoples State BankBank | Exceptional | Exceptional | Sound | Strong | $459Fees | 0.023%Below | 169 | |
30 | VERVE, A CREDIT UNIONCredit Union | Exceptional | Exceptional | Sound | Strong | $654Fees | 0.067%Below | 145 | |
31 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $1,966Fees | 0.178%Above | 1,883 | |
32 | FIRST COLONY MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $1,541Fees | 0.334%Above | 815 | |
33 | ALTRA Federal Credit UnionCredit Union | Strong | Sound | Exceptional | Exceptional | $530Fees | 0.348%Above | 558 | |
34 | The Huntington National BankBank | Strong | Strong | Strong | Strong | $1,197Fees | 0.373%Above | 378 | |
35 | Westby Co-op Credit UnionCredit Union | Strong | Strong | Strong | Strong | $643Fees | 0.057%Above | 199 | |
36 | Blackhawk Community Credit UnionCredit Union | Strong | Strong | Strong | Strong | $881Fees | 0.201%Above | 140 | |
37 | Nicolet National BankBank | Strong | Sound | Strong | Exceptional | $982Fees | 0.291%Above | 931 | |
38 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Exceptional | $2,004Fees | 0.228%Above | 903 | |
39 | THOMPSON KANE & COMPANY, INCIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | $1,872Fees | 0.347%Above | 796 | |
40 | Wells Fargo Bank, National AssociationBank | Strong | Strong | Sound | Strong | $1,948Fees | 0.153%Above | 521 | |
41 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | $1,528Fees | 0.369%Above | 226 | |
42 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,935Fees | 0.431%Above | 3,338 | |
43 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $2,416Fees | 0.402%Above | 2,513 | |
44 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $2,582Fees | 0.423%Above | 1,860 | |
45 | Bell BankBank | Strong | Acceptable | Exceptional | Exceptional | $2,730Fees | 0.308%Above | 767 | |
46 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | $1,897Fees | 0.317%Above | 741 | |
47 | Nations Lending CorporationIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $1,930Fees | 0.461%Above | 626 | |
48 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $3,095Fees | 0.441%Above | 543 | |
49 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Strong | $2,124Fees | 0.398%Above | 439 | |
50 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $1,622Fees | 0.002%Above | 376 |
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.