Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,558Fees | 0.512%Above | 85 | |
2 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $421Fees | 0.290%Above | 49 | |
3 | First State Community BankBank | Exceptional | Strong | Strong | Sound | Exceptional | $1,191Fees | 0.105%Above | 83 | |
4 | First Missouri State Bank of Cape CountyBank | Exceptional | Strong | Sound | Strong | Exceptional | $858Fees | 0.085%Above | 45 | |
5 | Truist BankBank | Exceptional | Strong | Exceptional | Strong | Sound | $1,075Fees | 0.071%Below | 24 | |
6 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Acceptable | $1,488Fees | 0.680%Below | 12 | |
7 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,350Fees | 0.307%Above | 60 | |
8 | The Bank of MissouriBank | Strong | Sound | Strong | Strong | Exceptional | $891Fees | 0.317%Above | 48 | |
9 | GERSHMAN INVESTMENT CORP.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,476Fees | 0.443%Above | 30 | |
10 | DAS Acquisition Company, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,003Fees | 0.734%Above | 92 | |
11 | Gateway First BankBank | Strong | Acceptable | Exceptional | Strong | Strong | $1,608Fees | 0.506%Above | 33 | |
12 | Flagstar Bank, N.A.Bank | Strong | Acceptable | Exceptional | Strong | Strong | $1,648Fees | 0.520%Above | 29 | |
13 | DELMAR FINANCIAL COMPANYIndependent Mortgage Company | Strong | Sound | Strong | Strong | Sound | $1,653Fees | 0.778%Above | 20 | |
14 | Southern BankBank | Strong | Sound | Strong | Strong | Sound | $539Fees | 0.337%Above | 18 | |
15 | Regions BankBank | Strong | Acceptable | Exceptional | Strong | Sound | $727Fees | 0.654%Above | 21 | |
16 | Commerce BankBank | Strong | Sound | Strong | Sound | Sound | $438Fees | 0.400%Above | 12 |
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.