Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | LENDLO MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Exceptional | Exceptional | Exceptional | Exceptional | $3,294Fees | 0.382%Above | 892 | |
2 | NBKC BANKBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $667Fees | 0.196%Below | 91 | |
3 | Arvest BankBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,711Fees | 0.302%Above | 2,687 | |
4 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,407Fees | 0.024%Below | 804 | |
5 | Eagle Bank and Trust CompanyBank | Exceptional | Strong | Strong | Exceptional | Exceptional | $2,209Fees | 0.191%Above | 783 | |
6 | First Security BankBank | Exceptional | Exceptional | Strong | Sound | Exceptional | $1,802Fees | 0.166%Below | 493 | |
7 | First Horizon BankBank | Exceptional | Exceptional | Strong | Strong | Strong | $1,747Fees | 0.135%Above | 434 | |
8 | Firstar BankBank | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,451Fees | 0.034%Above | 334 | |
9 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $633Fees | 0.513%Below | 284 | |
10 | MORTGAGE INVESTORS GROUP, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,125Fees | 0.323%Above | 186 | |
11 | BANK OF LITTLE ROCK MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Strong | Strong | Exceptional | $1,030Fees | 0.192%Above | 340 | |
12 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,160Fees | 0.026%Below | 291 | |
13 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,844Fees | 0.266%Above | 271 | |
14 | GERSHMAN INVESTMENT CORP.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,481Fees | 0.008%Above | 263 | |
15 | Priority BankBank | Exceptional | Strong | Strong | Strong | Exceptional | $2,112Fees | 0.015%Above | 260 | |
16 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,068Fees | 0.140%Above | 253 | |
17 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,307Fees | 0.368%Above | 193 | |
18 | GMFS LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,057Fees | 0.238%Above | 92 | |
19 | ARKANSAS Federal Credit UnionCredit Union | Exceptional | Sound | Strong | Exceptional | Exceptional | $2,417Fees | 0.047%Below | 477 | |
20 | ENCORE BANKBank | Exceptional | Strong | Strong | Sound | Exceptional | $1,069Fees | 0.231%Above | 408 | |
21 | SWBC MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,871Fees | 0.260%Above | 304 | |
22 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $1,809Fees | 0.147%Above | 238 | |
23 | USAA Federal Savings BankBank | Exceptional | Strong | Exceptional | Sound | Strong | $1,433Fees | 0.157%Below | 206 | |
24 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,016Fees | 0.527%Above | 175 | |
25 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $4,086Fees | 0.267%Above | 137 | |
26 | KIND LENDING, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $1,139Fees | 0.423%Above | 66 | |
27 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,673Fees | 0.435%Above | 2,648 | |
28 | FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,020Fees | 0.272%Above | 1,087 | |
29 | Centennial BankBank | Strong | Sound | Strong | Strong | Exceptional | $1,726Fees | 0.245%Above | 882 | |
30 | First Community BankBank | Strong | Sound | Strong | Strong | Exceptional | $2,907Fees | 0.262%Above | 684 | |
31 | ASSOCIATED MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,296Fees | 0.171%Above | 306 | |
32 | First Financial BankBank | Strong | Sound | Strong | Strong | Exceptional | $2,152Fees | 0.194%Above | 247 | |
33 | Gateway First BankBank | Strong | Sound | Exceptional | Strong | Strong | $2,581Fees | 0.211%Above | 237 | |
34 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,836Fees | 0.413%Above | 204 | |
35 | Chambers BankBank | Strong | Sound | Strong | Exceptional | Strong | $2,294Fees | 0.007%Below | 196 | |
36 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,930Fees | 0.455%Above | 157 | |
37 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | Sound | $3,191Fees | 0.577%Above | 109 | |
38 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Exceptional | Sound | $991Fees | 0.060%Above | 102 | |
39 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,022Fees | 0.430%Above | 936 | |
40 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,089Fees | 0.535%Above | 631 | |
41 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,457Fees | 0.696%Above | 611 | |
42 | Simmons BankBank | Strong | Sound | Strong | Sound | Exceptional | $1,834Fees | 0.393%Above | 531 | |
43 | Bank of EnglandBank | Strong | Sound | Strong | Strong | Strong | $1,949Fees | 0.307%Above | 371 | |
44 | Cadence BankBank | Strong | Sound | Strong | Strong | Strong | $1,639Fees | 0.346%Above | 311 | |
45 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,493Fees | 0.399%Above | 223 | |
46 | Wells Fargo Bank, National AssociationBank | Strong | Sound | Exceptional | Sound | Strong | $2,458Fees | 0.080%Above | 166 | |
47 | MY MOVE MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $2,333Fees | 0.076%Above | 154 | |
48 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,984Fees | 0.406%Above | 115 | |
49 | The Central Trust BankBank | Strong | Sound | Strong | Strong | Strong | $1,867Fees | 0.314%Above | 107 | |
50 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,219Fees | 0.335%Above | 81 |
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.