Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $1,558Fees | 0.512%Above | 85 | |
2 | U.S. Bank National AssociationBank | Strong | Strong | Strong | Strong | $421Fees | 0.290%Above | 49 | |
3 | First Missouri State Bank of Cape CountyBank | Strong | Strong | Sound | Exceptional | $858Fees | 0.085%Above | 45 | |
4 | First State Community BankBank | Strong | Strong | Acceptable | Exceptional | $1,191Fees | 0.105%Above | 83 | |
5 | Truist BankBank | Strong | Strong | Strong | Sound | $1,075Fees | 0.071%Below | 24 | |
6 | DAS Acquisition Company, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $2,003Fees | 0.734%Above | 92 | |
7 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,350Fees | 0.307%Above | 60 | |
8 | The Bank of MissouriBank | Strong | Sound | Sound | Exceptional | $891Fees | 0.317%Above | 48 | |
9 | GERSHMAN INVESTMENT CORP.Independent Mortgage Company | Strong | Sound | Strong | Strong | $1,476Fees | 0.443%Above | 30 | |
10 | Regions BankBank | Strong | Sound | Strong | Sound | $727Fees | 0.654%Above | 21 | |
11 | DELMAR FINANCIAL COMPANYIndependent Mortgage Company | Strong | Sound | Strong | Sound | $1,653Fees | 0.778%Above | 20 | |
12 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $6,761Fees | 0.240%Above | 37 | |
13 | Gateway First BankBank | Strong | Acceptable | Strong | Strong | $1,608Fees | 0.506%Above | 33 | |
14 | Flagstar Bank, N.A.Bank | Strong | Acceptable | Strong | Strong | $1,648Fees | 0.520%Above | 29 |
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.