Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Firstar BankBank | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,451Fees | 0.034%Above | 334 | |
2 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $633Fees | 0.513%Below | 284 | |
3 | FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,020Fees | 0.272%Above | 1,087 | |
4 | First Security BankBank | Exceptional | Strong | Strong | Strong | Exceptional | $1,802Fees | 0.166%Below | 493 | |
5 | BANK OF LITTLE ROCK MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Strong | Strong | Exceptional | $1,030Fees | 0.192%Above | 340 | |
6 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,068Fees | 0.140%Above | 253 | |
7 | Bank of America, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,537Fees | 0.044%Below | 155 | |
8 | NBKC BANKBank | Exceptional | Exceptional | Strong | Sound | Strong | $667Fees | 0.196%Below | 91 | |
9 | ENCORE BANKBank | Exceptional | Strong | Strong | Sound | Exceptional | $1,069Fees | 0.231%Above | 408 | |
10 | Priority BankBank | Exceptional | Strong | Sound | Strong | Exceptional | $2,112Fees | 0.015%Above | 260 | |
11 | Wells Fargo Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $2,458Fees | 0.080%Above | 166 | |
12 | UNITED FEDERAL CREDIT UNIONCredit Union | Exceptional | Strong | Strong | Strong | Strong | $1,355Fees | 0.023%Above | 115 | |
13 | GMFS LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,057Fees | 0.238%Above | 92 | |
14 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,673Fees | 0.435%Above | 2,648 | |
15 | Eagle Bank and Trust CompanyBank | Strong | Sound | Strong | Strong | Exceptional | $2,209Fees | 0.191%Above | 783 | |
16 | ARKANSAS Federal Credit UnionCredit Union | Strong | Sound | Strong | Strong | Exceptional | $2,417Fees | 0.047%Below | 477 | |
17 | First Horizon BankBank | Strong | Sound | Exceptional | Strong | Strong | $1,747Fees | 0.135%Above | 434 | |
18 | Cadence BankBank | Strong | Sound | Exceptional | Strong | Strong | $1,639Fees | 0.346%Above | 311 | |
19 | ASSOCIATED MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,296Fees | 0.171%Above | 306 | |
20 | The First National Bank of Fort SmithBank | Strong | Sound | Strong | Strong | Exceptional | $1,707Fees | 0.124%Above | 264 | |
21 | GERSHMAN INVESTMENT CORP.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,481Fees | 0.008%Above | 263 | |
22 | COMMUNITY MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | Strong | $2,561Fees | 0.178%Above | 257 | |
23 | First Financial BankBank | Strong | Sound | Sound | Exceptional | Exceptional | $2,152Fees | 0.194%Above | 247 | |
24 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $1,809Fees | 0.147%Above | 238 | |
25 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,836Fees | 0.413%Above | 204 | |
26 | Generations BankBank | Strong | Strong | Sound | Strong | Strong | $1,236Fees | 0.062%Above | 176 | |
27 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,016Fees | 0.527%Above | 175 | |
28 | Farmers Bank & Trust CompanyBank | Strong | Sound | Strong | Exceptional | Strong | $880Fees | 0.596%Above | 122 | |
29 | The Central Trust BankBank | Strong | Sound | Exceptional | Strong | Strong | $1,867Fees | 0.314%Above | 107 | |
30 | BOKF, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $1,357Fees | 0.382%Above | 82 | |
31 | Arvest BankBank | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,711Fees | 0.302%Above | 2,687 | |
32 | Centennial BankBank | Strong | Sound | Strong | Sound | Exceptional | $1,726Fees | 0.245%Above | 882 | |
33 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,407Fees | 0.024%Below | 804 | |
34 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,089Fees | 0.535%Above | 631 | |
35 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $2,160Fees | 0.026%Below | 291 | |
36 | MY MOVE MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $2,333Fees | 0.076%Above | 154 | |
37 | First Community BankBank | Strong | Acceptable | Strong | Strong | Exceptional | $2,907Fees | 0.262%Above | 684 | |
38 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,457Fees | 0.696%Above | 611 | |
39 | Regions BankBank | Strong | Acceptable | Exceptional | Strong | Strong | $1,831Fees | 0.367%Above | 529 | |
40 | SWBC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,871Fees | 0.260%Above | 304 | |
41 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,358Fees | 0.423%Above | 293 | |
42 | DAS Acquisition Company, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,529Fees | 0.652%Above | 261 | |
43 | Gateway First BankBank | Strong | Acceptable | Exceptional | Strong | Strong | $2,581Fees | 0.211%Above | 237 | |
44 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,468Fees | 0.599%Above | 225 | |
45 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,493Fees | 0.399%Above | 223 | |
46 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,307Fees | 0.368%Above | 193 | |
47 | MORTGAGE INVESTORS GROUP, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,125Fees | 0.323%Above | 186 | |
48 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,247Fees | 0.568%Above | 181 | |
49 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,086Fees | 0.267%Above | 137 | |
50 | PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,928Fees | 1.085%Above | 136 |
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.