Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Simmons BankBank | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $1,834Fees | 0.393%Above | 531 | |
2 | LENDLO MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $3,294Fees | 0.382%Above | 892 | |
3 | First Security BankBank | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,802Fees | 0.166%Below | 493 | |
4 | Firstar BankBank | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $1,451Fees | 0.034%Above | 334 | |
5 | GMFS LLCIndependent Mortgage Company | Exceptional | Exceptional | Exceptional | Strong | Strong | $2,057Fees | 0.238%Above | 92 | |
6 | Eagle Bank and Trust CompanyBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,209Fees | 0.191%Above | 783 | |
7 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,407Fees | 0.024%Below | 804 | |
8 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,358Fees | 0.423%Above | 293 | |
9 | GERSHMAN INVESTMENT CORP.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,481Fees | 0.008%Above | 263 | |
10 | Priority BankBank | Exceptional | Strong | Strong | Strong | Exceptional | $2,112Fees | 0.015%Above | 260 | |
11 | NEWREZ LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,930Fees | 0.455%Above | 157 | |
12 | FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,020Fees | 0.272%Above | 1,087 | |
13 | BANK OF LITTLE ROCK MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | — | Strong | Exceptional | $1,030Fees | 0.192%Above | 340 | |
14 | COMMUNITY MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,561Fees | 0.178%Above | 257 | |
15 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,493Fees | 0.399%Above | 223 | |
16 | Centennial BankBank | Strong | Sound | Exceptional | Sound | Exceptional | $1,726Fees | 0.245%Above | 882 | |
17 | ENCORE BANKBank | Strong | Strong | — | Sound | Exceptional | $1,069Fees | 0.231%Above | 408 | |
18 | First Financial BankBank | Strong | Sound | Strong | Strong | Exceptional | $2,152Fees | 0.194%Above | 247 | |
19 | MORTGAGE INVESTORS GROUP, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,125Fees | 0.323%Above | 186 | |
20 | UNITED FEDERAL CREDIT UNIONCredit Union | Strong | Strong | — | Strong | Strong | $1,355Fees | 0.023%Above | 115 | |
21 | Arvest BankBank | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,711Fees | 0.302%Above | 2,687 | |
22 | First Horizon BankBank | Strong | Sound | Strong | Strong | Strong | $1,747Fees | 0.135%Above | 434 | |
23 | MORTGAGE FINANCIAL SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $2,581Fees | 0.696%Above | 254 | |
24 | Chambers BankBank | Strong | Sound | Strong | Strong | Strong | $2,294Fees | 0.007%Below | 196 | |
25 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,219Fees | 0.335%Above | 81 | |
26 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $1,139Fees | 0.423%Above | 66 | |
27 | SWBC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,871Fees | 0.260%Above | 304 | |
28 | Gateway First BankBank | Strong | Acceptable | Exceptional | Strong | Strong | $2,581Fees | 0.211%Above | 237 | |
29 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,086Fees | 0.267%Above | 137 | |
30 | Farmers Bank & Trust CompanyBank | Strong | Sound | — | Strong | Strong | $880Fees | 0.596%Above | 122 | |
31 | CORNERSTONE CAPITAL BANK, SSBBank | Strong | Acceptable | Exceptional | Strong | Strong | $4,091Fees | 0.760%Above | 116 | |
32 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,984Fees | 0.406%Above | 115 | |
33 | STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,268Fees | 0.488%Above | 104 | |
34 | First Community BankBank | Strong | Acceptable | Strong | Sound | Exceptional | $2,907Fees | 0.262%Above | 684 | |
35 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,089Fees | 0.535%Above | 631 | |
36 | Regions BankBank | Strong | Acceptable | Exceptional | Sound | Strong | $1,831Fees | 0.367%Above | 529 | |
37 | Bank of EnglandBank | Strong | Acceptable | Exceptional | Sound | Strong | $1,949Fees | 0.307%Above | 371 | |
38 | Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,623Fees | 0.433%Above | 72 | |
39 | Nations Lending CorporationIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $1,982Fees | 0.335%Above | 70 | |
40 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,457Fees | 0.696%Above | 611 | |
41 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $2,987Fees | 0.673%Above | 333 | |
42 | DAS Acquisition Company, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $2,529Fees | 0.652%Above | 261 | |
43 | PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,928Fees | 1.085%Above | 136 | |
44 | PILGRIM MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | — | Strong | Strong | $3,081Fees | 0.696%Above | 76 | |
45 | Luminate Home Loans, Inc.Independent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $4,651Fees | 0.854%Above | 209 | |
46 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $3,191Fees | 0.577%Above | 109 | |
47 | EVERETT FINANCIAL, INC.Independent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $3,473Fees | 1.180%Above | 68 | |
48 | AMERICAN FINANCIAL RESOURCES, INC.Independent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $2,428Fees | 0.681%Above | 66 | |
49 | SENTE MORTGAGE, INC.Independent Mortgage Company | Sound | Mediocre | Strong | Sound | Strong | $3,400Fees | 0.560%Above | 223 |
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.