Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | First Security BankBank | Exceptional | Exceptional | Strong | Exceptional | $1,802Fees | 0.166%Below | 493 | |
2 | Firstar BankBank | Exceptional | Strong | Exceptional | Exceptional | $1,451Fees | 0.034%Above | 334 | |
3 | BANK OF LITTLE ROCK MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Strong | Exceptional | $1,030Fees | 0.192%Above | 340 | |
4 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Sound | Strong | $633Fees | 0.513%Below | 284 | |
5 | Priority BankBank | Exceptional | Strong | Strong | Exceptional | $2,112Fees | 0.015%Above | 260 | |
6 | FIRST WESTERN MORTGAGE, INC.Independent Mortgage Company | Exceptional | Exceptional | Sound | Strong | $1,052Fees | 0.029%Above | 138 | |
7 | NBKC BANKBank | Exceptional | Exceptional | Sound | Strong | $667Fees | 0.196%Below | 91 | |
8 | FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $2,020Fees | 0.272%Above | 1,087 | |
9 | LENDLO MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $3,294Fees | 0.382%Above | 892 | |
10 | Eagle Bank and Trust CompanyBank | Strong | Sound | Exceptional | Exceptional | $2,209Fees | 0.191%Above | 783 | |
11 | ENCORE BANKBank | Strong | Strong | Sound | Exceptional | $1,069Fees | 0.231%Above | 408 | |
12 | U.S. Bank National AssociationBank | Strong | Strong | Strong | Strong | $1,068Fees | 0.140%Above | 253 | |
13 | Generations BankBank | Strong | Strong | Strong | Strong | $1,236Fees | 0.062%Above | 176 | |
14 | Bank of America, National AssociationBank | Strong | Strong | Strong | Strong | $1,537Fees | 0.044%Below | 155 | |
15 | UNITED FEDERAL CREDIT UNIONCredit Union | Strong | Strong | Strong | Strong | $1,355Fees | 0.023%Above | 115 | |
16 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | $2,407Fees | 0.024%Below | 804 | |
17 | Simmons BankBank | Strong | Sound | Strong | Exceptional | $1,834Fees | 0.393%Above | 531 | |
18 | ARKANSAS Federal Credit UnionCredit Union | Strong | Sound | Strong | Exceptional | $2,417Fees | 0.047%Below | 477 | |
19 | ASSOCIATED MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | $1,296Fees | 0.171%Above | 306 | |
20 | The First National Bank of Fort SmithBank | Strong | Sound | Strong | Exceptional | $1,707Fees | 0.124%Above | 264 | |
21 | COMMUNITY MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | $2,561Fees | 0.178%Above | 257 | |
22 | First Financial BankBank | Strong | Sound | Strong | Exceptional | $2,152Fees | 0.194%Above | 247 | |
23 | MORTGAGE INVESTORS GROUP, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | $2,125Fees | 0.323%Above | 186 | |
24 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | $3,016Fees | 0.527%Above | 175 | |
25 | Wells Fargo Bank, National AssociationBank | Strong | Strong | Sound | Strong | $2,458Fees | 0.080%Above | 166 | |
26 | GMFS LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | $2,057Fees | 0.238%Above | 92 | |
27 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,673Fees | 0.435%Above | 2,648 | |
28 | Centennial BankBank | Strong | Sound | Sound | Exceptional | $1,726Fees | 0.245%Above | 882 | |
29 | Regions BankBank | Strong | Sound | Strong | Strong | $1,831Fees | 0.367%Above | 529 | |
30 | First Horizon BankBank | Strong | Sound | Strong | Strong | $1,747Fees | 0.135%Above | 434 | |
31 | Cadence BankBank | Strong | Sound | Strong | Strong | $1,639Fees | 0.346%Above | 311 | |
32 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $2,160Fees | 0.026%Below | 291 | |
33 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Strong | $2,844Fees | 0.266%Above | 271 | |
34 | GERSHMAN INVESTMENT CORP.Independent Mortgage Company | Strong | Sound | Strong | Strong | $1,481Fees | 0.008%Above | 263 | |
35 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Strong | $1,809Fees | 0.147%Above | 238 | |
36 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $2,836Fees | 0.413%Above | 204 | |
37 | Chambers BankBank | Strong | Sound | Strong | Strong | $2,294Fees | 0.007%Below | 196 | |
38 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | $2,307Fees | 0.368%Above | 193 | |
39 | MY MOVE MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $2,333Fees | 0.076%Above | 154 | |
40 | Farmers Bank & Trust CompanyBank | Strong | Sound | Strong | Strong | $880Fees | 0.596%Above | 122 | |
41 | The Central Trust BankBank | Strong | Sound | Strong | Strong | $1,867Fees | 0.314%Above | 107 | |
42 | Arvest BankBank | Strong | Acceptable | Strong | Exceptional | $1,711Fees | 0.302%Above | 2,687 | |
43 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $2,022Fees | 0.430%Above | 936 | |
44 | First Community BankBank | Strong | Acceptable | Strong | Exceptional | $2,907Fees | 0.262%Above | 684 | |
45 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,457Fees | 0.696%Above | 611 | |
46 | SWBC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,871Fees | 0.260%Above | 304 | |
47 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,358Fees | 0.423%Above | 293 | |
48 | DAS Acquisition Company, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,529Fees | 0.652%Above | 261 | |
49 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,493Fees | 0.399%Above | 223 | |
50 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $4,086Fees | 0.267%Above | 137 |
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.