Safe Rate Rankings
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| 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 | $486Fees | 0.170%Above | 1,404 | |
2 | Bank First, N.A.Bank | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $242Fees | 0.002%Above | 655 | |
3 | Summit Credit UnionCredit Union | Exceptional | Exceptional | Strong | Strong | Exceptional | $65Fees | 0.077%Below | 2,419 | |
4 | Associated Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Sound | Exceptional | $534Fees | 0.047%Below | 2,002 | |
5 | Community FirstCredit Union | Exceptional | Exceptional | — | Exceptional | Exceptional | $604Fees | 0.335%Below | 1,153 | |
6 | Wells Fargo Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,948Fees | 0.153%Above | 521 | |
7 | EDUCATORS CREDIT UNIONCredit Union | Exceptional | Exceptional | — | Strong | Exceptional | $35Fees | 0.124%Below | 890 | |
8 | Lake Ridge BankBank | Exceptional | Exceptional | Strong | Strong | Strong | $475Fees | 0.039%Above | 240 | |
9 | University of Wisconsin Credit UnionCredit Union | Exceptional | Strong | Strong | Strong | Exceptional | $398Fees | 0.153%Above | 2,546 | |
10 | Landmark Credit UnionCredit Union | Exceptional | Strong | Strong | Strong | Exceptional | $572Fees | 0.047%Above | 1,438 | |
11 | Royal Credit UnionCredit Union | Exceptional | Strong | Strong | Strong | Exceptional | $498Fees | 0.101%Above | 1,070 | |
12 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,897Fees | 0.317%Above | 741 | |
13 | BMO Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $412Fees | 0.300%Above | 378 | |
14 | Old National BankBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,095Fees | 0.029%Below | 330 | |
15 | Great Midwest Bank, S.S.B.Bank | Exceptional | Strong | Strong | Strong | Exceptional | $556Fees | 0.193%Above | 317 | |
16 | The Equitable Bank, S.S.B.Bank | Exceptional | Exceptional | — | Strong | Strong | $662Fees | 0.014%Above | 221 | |
17 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,935Fees | 0.431%Above | 3,338 | |
18 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,966Fees | 0.178%Above | 1,883 | |
19 | Barrington Bank & Trust Company, National AssociationBank | Exceptional | Strong | Strong | Sound | Exceptional | $1,733Fees | 0.196%Above | 1,160 | |
20 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,004Fees | 0.228%Above | 903 | |
21 | Bell BankBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,730Fees | 0.308%Above | 767 | |
22 | Waukesha State BankBank | Exceptional | Strong | — | Strong | Exceptional | $337Fees | 0.151%Above | 374 | |
23 | Nicolet National BankBank | Strong | Sound | Strong | Strong | Exceptional | $982Fees | 0.291%Above | 931 | |
24 | THOMPSON KANE & COMPANY, INCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $1,872Fees | 0.347%Above | 796 | |
25 | ALTRA Federal Credit UnionCredit Union | Strong | Sound | Sound | Exceptional | Exceptional | $530Fees | 0.348%Above | 558 | |
26 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,622Fees | 0.002%Above | 376 | |
27 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,416Fees | 0.402%Above | 2,513 | |
28 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,582Fees | 0.423%Above | 1,860 | |
29 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,120Fees | 0.566%Above | 974 | |
30 | Johnson BankBank | Strong | Acceptable | Strong | Strong | Exceptional | $509Fees | 0.035%Above | 1,674 | |
31 | The Huntington National BankBank | Strong | Acceptable | Exceptional | Strong | Strong | $1,197Fees | 0.373%Above | 378 | |
32 | Tri City National BankBank | Strong | Sound | Strong | Sound | Strong | $1,155Fees | 0.214%Above | 140 | |
33 | COMPEER FINANCIAL, FLCAIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $2,514Fees | 0.880%Above | 280 |
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.