Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Capitol Federal Savings BankBank | Exceptional | Exceptional | Strong | Exceptional | $1,403Fees | 0.192%Below | 512 | |
2 | NBKC BANKBank | Exceptional | Exceptional | Sound | Exceptional | $192Fees | 0.086%Below | 592 | |
3 | MEGASTAR FINANCIAL CORP.Independent Mortgage Company | Exceptional | Exceptional | Strong | Strong | $6,190Credit | 0.364%Above | 121 | |
4 | First State Bank of St. Charles, MissouriBank | Exceptional | Strong | Strong | Exceptional | $1,702Fees | 0.040%Above | 867 | |
5 | COMMUNITY MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Strong | Exceptional | $1,629Fees | 0.105%Above | 581 | |
6 | First BankBank | Exceptional | Strong | Strong | Exceptional | $1,422Fees | 0.049%Above | 465 | |
7 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Sound | Strong | $591Fees | 0.538%Below | 207 | |
8 | First Federal BankBank | Exceptional | Exceptional | Sound | Strong | $1,699Fees | 0.121%Above | 147 | |
9 | Landmark National BankBank | Exceptional | Strong | Exceptional | Strong | $1,071Fees | 0.065%Below | 122 | |
10 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $2,363Fees | 0.316%Above | 1,417 | |
11 | FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $1,922Fees | 0.366%Above | 1,322 | |
12 | U.S. Bank National AssociationBank | Strong | Strong | Strong | Strong | $688Fees | 0.180%Above | 364 | |
13 | Bank of America, National AssociationBank | Strong | Strong | Strong | Strong | $1,917Fees | 0.109%Below | 218 | |
14 | First National Bank of OmahaBank | Strong | Strong | Strong | Strong | $795Fees | 0.274%Above | 171 | |
15 | Oakstar BankBank | Strong | Strong | Strong | Strong | $649Fees | 0.027%Above | 168 | |
16 | PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company | Strong | Exceptional | Sound | Sound | $1,294Fees | 0.038%Below | 92 | |
17 | Fidelity Bank, National AssociationBank | Strong | Strong | Strong | Strong | $994Fees | 0.471%Above | 90 | |
18 | COMMUNITYAMERICA CREDIT UNIONCredit Union | Strong | Sound | Strong | Exceptional | $1,251Fees | 0.150%Above | 2,185 | |
19 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | $1,467Fees | 0.352%Above | 248 | |
20 | UMB Bank, National AssociationBank | Strong | Strong | Sound | Strong | $578Fees | 0.010%Above | 189 | |
21 | Wells Fargo Bank, National AssociationBank | Strong | Strong | Sound | Strong | $2,197Fees | 0.091%Above | 162 | |
22 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | $2,393Fees | 0.209%Above | 152 | |
23 | JLB CORPORATIONIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | $4,650Fees | 0.265%Above | 145 | |
24 | Mid-America BankBank | Strong | Sound | Exceptional | Strong | $948Fees | 0.339%Above | 90 | |
25 | Armed Forces Bank, National AssociationBank | Strong | Strong | Sound | Strong | $1,652Fees | 0.001%Above | 76 | |
26 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $2,094Fees | 0.340%Above | 1,933 | |
27 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,677Fees | 0.345%Above | 1,933 | |
28 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $2,248Fees | 0.222%Above | 1,007 | |
29 | The Central Trust BankBank | Strong | Sound | Strong | Strong | $69Fees | 0.308%Above | 443 | |
30 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Strong | $1,708Fees | 0.096%Above | 303 | |
31 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Strong | $1,434Fees | 0.249%Above | 292 | |
32 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $1,728Fees | 0.014%Below | 270 | |
33 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $3,472Fees | 0.369%Above | 199 | |
34 | First Federal Bank of Kansas CityBank | Strong | Sound | Strong | Strong | $1,624Fees | 0.552%Above | 189 | |
35 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | $1,944Fees | 0.292%Above | 153 | |
36 | Stride Bank, National AssociationBank | Strong | Sound | Strong | Strong | $1,315Fees | 0.218%Above | 135 | |
37 | NBH BankBank | Strong | Sound | Strong | Strong | $985Fees | 0.402%Above | 127 | |
38 | NexBankBank | Strong | Sound | Strong | Strong | $1,118Fees | 0.366%Above | 94 | |
39 | DELMAR FINANCIAL COMPANYIndependent Mortgage Company | Strong | Sound | Strong | Strong | $1,016Fees | 0.298%Above | 76 | |
40 | LENDLO MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | $2,427Fees | 0.586%Above | 60 | |
41 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $1,896Fees | 0.335%Above | 694 | |
42 | LEADERONE FINANCIAL CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $2,976Fees | 0.530%Above | 622 | |
43 | Arvest BankBank | Strong | Acceptable | Strong | Exceptional | $1,363Fees | 0.181%Above | 582 | |
44 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,226Fees | 0.415%Above | 579 | |
45 | Commerce BankBank | Strong | Sound | Sound | Strong | $122Fees | 0.263%Above | 332 | |
46 | Bell BankBank | Strong | Acceptable | Exceptional | Strong | $2,191Fees | 0.222%Above | 298 | |
47 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Sound | Strong | $1,487Fees | 0.121%Above | 166 | |
48 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,239Fees | 0.430%Above | 162 | |
49 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,598Fees | 0.675%Above | 156 | |
50 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | $2,717Fees | 0.283%Above | 61 |
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.