Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Priority BankBank | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $2,186Fees | 0.001%Above | 228 | |
2 | The First National Bank of Fort SmithBank | Exceptional | Exceptional | Strong | Strong | Strong | $1,842Fees | 0.035%Above | 110 | |
3 | FIRST WESTERN MORTGAGE, INC.Independent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Strong | $597Fees | 0.001%Above | 75 | |
4 | FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,004Fees | 0.166%Above | 559 | |
5 | LENDLO MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,500Fees | 0.498%Above | 403 | |
6 | ASSOCIATED MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,308Fees | 0.169%Above | 288 | |
7 | ENCORE BANKBank | Exceptional | Exceptional | Strong | Sound | Strong | $1,599Fees | 0.220%Above | 100 | |
8 | Arvest BankBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,504Fees | 0.215%Above | 1,176 | |
9 | Centennial BankBank | Exceptional | Strong | Strong | Sound | Exceptional | $1,756Fees | 0.115%Above | 418 | |
10 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,167Fees | 0.081%Below | 264 | |
11 | First Horizon BankBank | Exceptional | Strong | Strong | Strong | Strong | $2,477Fees | 0.032%Above | 122 | |
12 | Simmons BankBank | Exceptional | Strong | Strong | Strong | Strong | $2,567Fees | 0.235%Above | 101 | |
13 | Eagle Bank and Trust CompanyBank | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,687Fees | 0.116%Above | 94 | |
14 | BANK OF LITTLE ROCK MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Strong | Strong | Strong | $959Fees | 0.224%Above | 65 | |
15 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $3,825Fees | 0.424%Above | 48 | |
16 | Cadence BankBank | Exceptional | Strong | Exceptional | Strong | Sound | $1,709Fees | 0.153%Above | 35 | |
17 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,953Fees | 0.218%Above | 665 | |
18 | GERSHMAN INVESTMENT CORP.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,605Fees | 0.000%Above | 181 | |
19 | The Central Trust BankBank | Strong | Sound | Exceptional | Strong | Strong | $1,803Fees | 0.344%Above | 93 | |
20 | UNITED FEDERAL CREDIT UNIONCredit Union | Strong | Strong | Strong | Sound | Strong | $1,321Fees | 0.165%Below | 62 | |
21 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Strong | Exceptional | Sound | Sound | $1,897Fees | 0.036%Below | 47 | |
22 | MORTGAGE ASSURANCE, INC.Independent Mortgage Company | Strong | Strong | Strong | Strong | Sound | $1,953Fees | 0.198%Above | 28 | |
23 | MY MOVE MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $2,343Fees | 0.075%Above | 150 | |
24 | Regions BankBank | Strong | Sound | Exceptional | Sound | Strong | $1,982Fees | 0.203%Above | 122 | |
25 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,467Fees | 0.287%Above | 87 | |
26 | COMMUNITY MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | Sound | $2,660Fees | 0.244%Above | 47 | |
27 | Plains Commerce BankBank | Strong | Sound | Exceptional | Strong | Sound | $2,835Fees | 0.020%Above | 38 | |
28 | Bank of EnglandBank | Strong | Sound | Exceptional | Strong | Sound | $1,974Fees | 0.133%Above | 31 | |
29 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $3,451Fees | 0.217%Above | 31 | |
30 | Gateway First BankBank | Strong | Acceptable | Exceptional | Strong | Strong | $2,658Fees | 0.149%Above | 185 | |
31 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,292Fees | 0.315%Above | 82 | |
32 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Sound | $1,527Fees | 0.369%Above | 25 | |
33 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,019Fees | 0.439%Above | 22 | |
34 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD.Independent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $2,213Fees | 0.301%Above | 101 | |
35 | GENEVA FINANCIAL, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,849Fees | 0.718%Above | 100 | |
36 | BOKF, National AssociationBank | Strong | Acceptable | Strong | Strong | Strong | $1,402Fees | 0.355%Above | 67 | |
37 | American Mortgage Bank, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $2,510Fees | 0.738%Above | 48 | |
38 | ZILLOW HOME LOANS, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,390Fees | 0.217%Above | 43 | |
39 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,221Fees | 0.523%Above | 19 | |
40 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $1,193Fees | 0.223%Above | 26 | |
41 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $4,374Fees | 0.551%Above | 69 | |
42 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $2,900Fees | 0.126%Above | 64 | |
43 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $2,737Fees | 0.610%Above | 63 | |
44 | Luminate Home Loans, Inc.Independent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $4,848Fees | 0.470%Above | 44 | |
45 | LEADERONE FINANCIAL CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $3,420Fees | 0.527%Above | 41 |
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.