Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,571Fees | 0.580%Above | 60 | |
2 | First Security BankBank | Exceptional | Strong | Strong | Strong | Strong | $1,318Fees | 0.032%Above | 29 | |
3 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Sound | $997Fees | 0.083%Above | 23 | |
4 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,828Fees | 0.315%Above | 97 | |
5 | ENCORE BANKBank | Strong | Strong | Strong | Sound | Strong | $901Fees | 0.219%Above | 26 | |
6 | FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Exceptional | Sound | $2,370Fees | 0.463%Above | 16 | |
7 | Wells Fargo Bank, National AssociationBank | Strong | Strong | Exceptional | Sound | Sound | $2,659Fees | 0.038%Below | 14 | |
8 | GMFS LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | Sound | $2,101Fees | 0.363%Above | 10 | |
9 | SWBC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,699Fees | 0.371%Above | 102 | |
10 | Arvest BankBank | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,630Fees | 0.316%Above | 60 | |
11 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,070Fees | 0.051%Above | 39 | |
12 | ARKANSAS Federal Credit UnionCredit Union | Strong | Sound | Strong | Strong | Strong | $2,434Fees | 0.076%Above | 29 | |
13 | COMMUNITY MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | Sound | $2,321Fees | 0.254%Above | 19 | |
14 | Regions BankBank | Strong | Acceptable | Exceptional | Strong | Strong | $1,929Fees | 0.453%Above | 28 | |
15 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Sound | $2,717Fees | 0.111%Above | 23 | |
16 | Eagle Bank and Trust CompanyBank | Strong | Sound | Strong | Strong | Sound | $1,531Fees | 0.419%Above | 12 | |
17 | PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $5,562Fees | 0.832%Above | 22 | |
18 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,502Fees | 0.208%Above | 14 | |
19 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $4,569Fees | 0.795%Above | 14 | |
20 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $3,495Fees | 0.164%Above | 40 | |
21 | NEWREZ LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $2,440Fees | 0.022%Below | 12 | |
22 | Luminate Home Loans, Inc.Independent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $4,454Fees | 1.073%Above | 18 | |
23 | Simmons BankBank | Sound | Acceptable | Strong | Sound | Sound | $1,922Fees | 0.235%Above | 11 | |
24 | Southern Bancorp BankBank | Sound | Mediocre | Sound | Sound | Strong | $505Fees | 1.119%Above | 19 |
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.