Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Associated Bank, National AssociationBank | Exceptional | Exceptional | Strong | Strong | Exceptional | $534Fees | 0.047%Below | 2,002 | |
2 | Bank Five NineBank | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,040Fees | 0.200%Above | 1,027 | |
3 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,966Fees | 0.178%Above | 1,883 | |
4 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Sound | Exceptional | $486Fees | 0.170%Above | 1,404 | |
5 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,965Fees | 0.206%Above | 709 | |
6 | ALTRA Federal Credit UnionCredit Union | Exceptional | Exceptional | Sound | Sound | Exceptional | $530Fees | 0.348%Above | 558 | |
7 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,124Fees | 0.398%Above | 439 | |
8 | The Huntington National BankBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,197Fees | 0.373%Above | 378 | |
9 | Old National BankBank | Exceptional | Exceptional | Strong | Sound | Strong | $1,095Fees | 0.029%Below | 330 | |
10 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,528Fees | 0.369%Above | 226 | |
11 | The Equitable Bank, S.S.B.Bank | Exceptional | Exceptional | — | Strong | Strong | $662Fees | 0.014%Above | 221 | |
12 | Royal Credit UnionCredit Union | Exceptional | Sound | Strong | Exceptional | Exceptional | $498Fees | 0.101%Above | 1,070 | |
13 | FIRST COLONY MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,541Fees | 0.334%Above | 815 | |
14 | A + MORTGAGE SERVICES, INC.Independent Mortgage Company | Exceptional | Strong | Sound | Strong | Exceptional | $1,425Fees | 0.302%Above | 480 | |
15 | WISCONSIN MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Strong | Sound | Exceptional | $938Fees | 0.155%Above | 387 | |
16 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $1,622Fees | 0.002%Above | 376 | |
17 | Waukesha State BankBank | Exceptional | Strong | — | Strong | Exceptional | $337Fees | 0.151%Above | 374 | |
18 | First Federal BankBank | Exceptional | Strong | Strong | Strong | Strong | $815Fees | 0.098%Above | 225 | |
19 | TOWNE MORTGAGE COMPANYIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,677Fees | 0.674%Above | 132 | |
20 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,935Fees | 0.431%Above | 3,338 | |
21 | University of Wisconsin Credit UnionCredit Union | Strong | Strong | Sound | Sound | Exceptional | $398Fees | 0.153%Above | 2,546 | |
22 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,416Fees | 0.402%Above | 2,513 | |
23 | Nations Lending CorporationIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $1,930Fees | 0.461%Above | 626 | |
24 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,095Fees | 0.441%Above | 543 | |
25 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $1,633Fees | 0.404%Above | 383 | |
26 | Bank of EnglandBank | Strong | Sound | Exceptional | Strong | Strong | $2,064Fees | 0.468%Above | 352 | |
27 | PLANET HOME LENDING, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,061Fees | 0.308%Above | 260 | |
28 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,582Fees | 0.423%Above | 1,860 | |
29 | Barrington Bank & Trust Company, National AssociationBank | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,733Fees | 0.196%Above | 1,160 | |
30 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Sound | Exceptional | $2,004Fees | 0.228%Above | 903 | |
31 | THOMPSON KANE & COMPANY, INCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | Exceptional | $1,872Fees | 0.347%Above | 796 | |
32 | Bell BankBank | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,730Fees | 0.308%Above | 767 | |
33 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $1,654Fees | 0.294%Above | 614 | |
34 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,197Fees | 0.634%Above | 336 | |
35 | GATEWAY MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Sound | Exceptional | Strong | $1,930Fees | 0.302%Above | 217 | |
36 | V.I.P. MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $793Fees | 0.227%Above | 178 | |
37 | CIBM BankBank | Strong | Sound | Strong | Strong | Strong | $976Fees | 0.358%Above | 153 | |
38 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,877Fees | 0.339%Above | 151 | |
39 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Exceptional | $1,360Fees | 0.580%Above | 1,170 | |
40 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,897Fees | 0.317%Above | 741 | |
41 | Wells Fargo Bank, National AssociationBank | Strong | Sound | Strong | Sound | Strong | $1,948Fees | 0.153%Above | 521 | |
42 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,739Fees | 0.711%Above | 400 | |
43 | BMO Bank National AssociationBank | Strong | Sound | Strong | Sound | Strong | $412Fees | 0.300%Above | 378 | |
44 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,068Fees | 0.521%Above | 364 | |
45 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,645Fees | 0.575%Above | 324 | |
46 | Servion, Inc.Independent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $1,276Fees | 0.363%Above | 264 | |
47 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,911Fees | 0.391%Above | 254 | |
48 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,106Fees | 0.328%Above | 189 | |
49 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,881Fees | 0.347%Above | 176 | |
50 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,891Fees | 0.465%Above | 149 |
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.