Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | GREENSTATE Credit UnionCredit Union | Exceptional | Exceptional | Exceptional | Exceptional | Exceptional | $497Fees | 0.256%Below | 4,661 | |
2 | RUHL MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Exceptional | Strong | Exceptional | Strong | $832Fees | 0.039%Below | 344 | |
3 | RESIDENTIAL MORTGAGE NETWORK, INC.Independent Mortgage Company | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,199Fees | 0.017%Below | 424 | |
4 | Great Southern BankBank | Exceptional | Exceptional | Strong | Strong | Strong | $1,486Fees | 0.018%Above | 129 | |
5 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,367Fees | 0.684%Above | 170 | |
6 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $3,069Fees | 0.452%Above | 155 | |
7 | CHARTER WEST BANKBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,517Fees | 0.415%Above | 122 | |
8 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $965Fees | 0.210%Above | 838 | |
9 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,183Fees | 0.292%Above | 717 | |
10 | HOMESERVICES LENDING, LLCIndependent Mortgage Company | Exceptional | Sound | Strong | Exceptional | Exceptional | $2,443Fees | 0.278%Above | 504 | |
11 | Fortress BankBank | Exceptional | Sound | Strong | Exceptional | Exceptional | $1,548Fees | 0.271%Above | 452 | |
12 | Fidelity BankBank | Exceptional | Strong | Strong | Strong | Strong | $1,403Fees | 0.225%Above | 238 | |
13 | FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,922Fees | 0.355%Above | 229 | |
14 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $2,005Fees | 0.100%Above | 175 | |
15 | First National Bank of OmahaBank | Exceptional | Strong | Strong | Strong | Strong | $1,846Fees | 0.280%Above | 113 | |
16 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,334Fees | 0.508%Above | 1,620 | |
17 | Central BankBank | Strong | Strong | Sound | Sound | Exceptional | $2,067Fees | 0.094%Below | 495 | |
18 | GERSHMAN INVESTMENT CORP.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,334Fees | 0.037%Below | 466 | |
19 | Plains Commerce BankBank | Strong | Sound | Exceptional | Strong | Strong | $2,138Fees | 0.448%Above | 264 | |
20 | Lincoln Savings BankBank | Strong | Strong | Sound | Strong | Strong | $1,459Fees | 0.112%Above | 263 | |
21 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,419Fees | 0.475%Above | 164 | |
22 | The Central Trust BankBank | Strong | Sound | Exceptional | Strong | Strong | $1,713Fees | 0.309%Above | 102 | |
23 | IOWA BANKERS MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Sound | Exceptional | $1,157Fees | 0.056%Below | 2,020 | |
24 | Northwest BankBank | Strong | Sound | Sound | Strong | Exceptional | $1,074Fees | 0.073%Above | 900 | |
25 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,353Fees | 0.633%Above | 269 | |
26 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $2,114Fees | 0.297%Above | 153 | |
27 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Sound | $1,873Fees | 0.394%Above | 121 | |
28 | Wells Fargo Bank, National AssociationBank | Strong | Sound | Strong | Sound | Strong | $1,696Fees | 0.120%Above | 516 | |
29 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,443Fees | 0.464%Above | 431 | |
30 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,719Fees | 0.571%Above | 427 | |
31 | Barrington Bank & Trust Company, National AssociationBank | Strong | Acceptable | Exceptional | Strong | Strong | $2,332Fees | 0.325%Above | 315 | |
32 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,939Fees | 0.458%Above | 245 | |
33 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,797Fees | 0.390%Above | 222 | |
34 | FRONTIER FINANCIAL, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Exceptional | Strong | $2,311Fees | 0.418%Above | 184 | |
35 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,644Fees | 0.431%Above | 173 | |
36 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,834Fees | 0.993%Above | 157 | |
37 | STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,337Fees | 0.637%Above | 131 | |
38 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $2,375Fees | 0.386%Above | 99 | |
39 | V.I.P. MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $1,630Fees | 0.399%Above | 94 | |
40 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $2,022Fees | 0.557%Above | 686 | |
41 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $3,470Fees | 0.606%Above | 315 | |
42 | Flanagan State BankBank | Strong | Acceptable | Strong | Strong | Strong | $2,578Fees | 0.606%Above | 157 | |
43 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Sound | Sound | $1,581Fees | 0.098%Above | 111 | |
44 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $1,427Fees | 0.522%Above | 101 | |
45 | AMERIHOME MORTGAGE COMPANY, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Sound | $2,756Fees | 0.497%Above | 83 | |
46 | Servion, Inc.Independent Mortgage Company | Strong | Sound | Strong | Sound | Sound | $1,025Fees | 0.326%Above | 73 | |
47 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Sound | Exceptional | $2,805Fees | 0.529%Above | 1,138 | |
48 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $2,834Fees | 0.416%Above | 139 | |
49 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $1,494Fees | 0.314%Above | 72 | |
50 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $3,986Fees | 0.692%Above | 71 |
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.