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 | Johnson BankBank | Exceptional | Exceptional | Exceptional | Exceptional | Exceptional | $509Fees | 0.035%Above | 1,674 | |
2 | Community FirstCredit Union | Exceptional | Exceptional | Exceptional | Exceptional | Exceptional | $604Fees | 0.335%Below | 1,153 | |
3 | Summit Credit UnionCredit Union | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $65Fees | 0.077%Below | 2,419 | |
4 | Associated Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $534Fees | 0.047%Below | 2,002 | |
5 | FOX COMMUNITIES Credit UnionCredit Union | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $524Fees | 0.145%Below | 701 | |
6 | Bank First, N.A.Bank | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $242Fees | 0.002%Above | 655 | |
7 | DUPACO COMMUNITYCredit Union | Exceptional | Exceptional | Exceptional | Exceptional | Strong | $1,653Fees | 0.262%Below | 167 | |
8 | Royal Credit UnionCredit Union | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $498Fees | 0.101%Above | 1,070 | |
9 | EDUCATORS CREDIT UNIONCredit Union | Exceptional | Exceptional | Strong | Strong | Exceptional | $35Fees | 0.124%Below | 890 | |
10 | Old National BankBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,095Fees | 0.029%Below | 330 | |
11 | University of Wisconsin Credit UnionCredit Union | Exceptional | Strong | Exceptional | Strong | Exceptional | $398Fees | 0.153%Above | 2,546 | |
12 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $486Fees | 0.170%Above | 1,404 | |
13 | COVANTAGE CREDIT UNIONCredit Union | Exceptional | Strong | Exceptional | Strong | Exceptional | $772Fees | 0.073%Above | 1,307 | |
14 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $570Fees | 0.446%Below | 313 | |
15 | National Exchange Bank and TrustBank | Exceptional | Strong | Strong | Exceptional | Exceptional | $111Fees | 0.032%Above | 281 | |
16 | Landmark Credit UnionCredit Union | Exceptional | Strong | Strong | Strong | Exceptional | $572Fees | 0.047%Above | 1,438 | |
17 | Bank Five NineBank | Exceptional | Strong | Strong | Strong | Exceptional | $1,040Fees | 0.200%Above | 1,027 | |
18 | CAPITAL Credit UnionCredit Union | Exceptional | Strong | Strong | Strong | Exceptional | $624Fees | 0.156%Below | 598 | |
19 | ALTRA Federal Credit UnionCredit Union | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $530Fees | 0.348%Above | 558 | |
20 | A + MORTGAGE SERVICES, INC.Independent Mortgage Company | Exceptional | Strong | Strong | Strong | Exceptional | $1,425Fees | 0.302%Above | 480 | |
21 | The Huntington National BankBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,197Fees | 0.373%Above | 378 | |
22 | The Bank of New GlarusBank | Exceptional | Strong | Strong | Strong | Exceptional | $567Fees | 0.306%Above | 319 | |
23 | Horicon BankBank | Exceptional | Exceptional | Sound | Strong | Strong | $209Fees | 0.006%Below | 196 | |
24 | The Park BankBank | Exceptional | Exceptional | Sound | Strong | Strong | $361Fees | 0.072%Below | 170 | |
25 | Peoples State BankBank | Exceptional | Exceptional | Sound | Strong | Strong | $459Fees | 0.023%Below | 169 | |
26 | VERVE, A CREDIT UNIONCredit Union | Exceptional | Exceptional | Sound | Strong | Strong | $654Fees | 0.067%Below | 145 | |
27 | Barrington Bank & Trust Company, National AssociationBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,733Fees | 0.196%Above | 1,160 | |
28 | Nicolet National BankBank | Exceptional | Sound | Strong | Exceptional | Exceptional | $982Fees | 0.291%Above | 931 | |
29 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,004Fees | 0.228%Above | 903 | |
30 | THOMPSON KANE & COMPANY, INCIndependent Mortgage Company | Exceptional | Sound | Strong | Exceptional | Exceptional | $1,872Fees | 0.347%Above | 796 | |
31 | Wells Fargo Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $1,948Fees | 0.153%Above | 521 | |
32 | Waukesha State BankBank | Exceptional | Strong | Sound | Strong | Exceptional | $337Fees | 0.151%Above | 374 | |
33 | KOHLER CREDIT UNIONCredit Union | Exceptional | Strong | Strong | Strong | Strong | $824Fees | 0.017%Below | 189 | |
34 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,935Fees | 0.431%Above | 3,338 | |
35 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $1,966Fees | 0.178%Above | 1,883 | |
36 | Nations Lending CorporationIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $1,930Fees | 0.461%Above | 626 | |
37 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,095Fees | 0.441%Above | 543 | |
38 | BMO Bank National AssociationBank | Strong | Strong | Strong | Sound | Strong | $412Fees | 0.300%Above | 378 | |
39 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,528Fees | 0.369%Above | 226 | |
40 | First Federal BankBank | Strong | Strong | Strong | Sound | Strong | $815Fees | 0.098%Above | 225 | |
41 | GATEWAY MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | Strong | $1,930Fees | 0.302%Above | 217 | |
42 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,881Fees | 0.347%Above | 176 | |
43 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,416Fees | 0.402%Above | 2,513 | |
44 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,582Fees | 0.423%Above | 1,860 | |
45 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,120Fees | 0.566%Above | 974 | |
46 | FIRST COLONY MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,541Fees | 0.334%Above | 815 | |
47 | Bell BankBank | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,730Fees | 0.308%Above | 767 | |
48 | Servion, Inc.Independent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $1,276Fees | 0.363%Above | 264 | |
49 | Home State Bank, National AssociationBank | Strong | Sound | Strong | Strong | Strong | $1,693Fees | 0.351%Above | 216 | |
50 | V.I.P. MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $793Fees | 0.227%Above | 178 |
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.