Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Capitol Federal Savings BankBank | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,403Fees | 0.192%Below | 512 | |
2 | NBKC BANKBank | Exceptional | Exceptional | Strong | Sound | Exceptional | $192Fees | 0.086%Below | 592 | |
3 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $591Fees | 0.538%Below | 207 | |
4 | FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,922Fees | 0.366%Above | 1,322 | |
5 | First State Bank of St. Charles, MissouriBank | Exceptional | Strong | Strong | Strong | Exceptional | $1,702Fees | 0.040%Above | 867 | |
6 | COMMUNITY MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Strong | Strong | Exceptional | $1,629Fees | 0.105%Above | 581 | |
7 | First BankBank | Exceptional | Strong | Strong | Strong | Exceptional | $1,422Fees | 0.049%Above | 465 | |
8 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $688Fees | 0.180%Above | 364 | |
9 | Bank of America, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,917Fees | 0.109%Below | 218 | |
10 | First National Bank of OmahaBank | Exceptional | Strong | Exceptional | Strong | Strong | $795Fees | 0.274%Above | 171 | |
11 | MEGASTAR FINANCIAL CORP.Independent Mortgage Company | Exceptional | Exceptional | Strong | Sound | Strong | $6,190Credit | 0.364%Above | 121 | |
12 | PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company | Exceptional | Exceptional | Exceptional | Sound | Sound | $1,294Fees | 0.038%Below | 92 | |
13 | Mid-America BankBank | Exceptional | Strong | Strong | Exceptional | Strong | $948Fees | 0.339%Above | 90 | |
14 | COMMUNITYAMERICA CREDIT UNIONCredit Union | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,251Fees | 0.150%Above | 2,185 | |
15 | Oakstar BankBank | Exceptional | Strong | Strong | Strong | Strong | $649Fees | 0.027%Above | 168 | |
16 | Wells Fargo Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $2,197Fees | 0.091%Above | 162 | |
17 | Landmark National BankBank | Exceptional | Strong | Strong | Strong | Strong | $1,071Fees | 0.065%Below | 122 | |
18 | Fidelity Bank, National AssociationBank | Exceptional | Strong | Strong | Strong | Strong | $994Fees | 0.471%Above | 90 | |
19 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,677Fees | 0.345%Above | 1,933 | |
20 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,363Fees | 0.316%Above | 1,417 | |
21 | The Central Trust BankBank | Strong | Sound | Exceptional | Strong | Strong | $69Fees | 0.308%Above | 443 | |
22 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $1,708Fees | 0.096%Above | 303 | |
23 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,467Fees | 0.352%Above | 248 | |
24 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,472Fees | 0.369%Above | 199 | |
25 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Strong | Strong | Sound | Strong | $1,487Fees | 0.121%Above | 166 | |
26 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,393Fees | 0.209%Above | 152 | |
27 | First Federal BankBank | Strong | Strong | Strong | Sound | Strong | $1,699Fees | 0.121%Above | 147 | |
28 | BOKF, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $1,707Fees | 0.378%Above | 135 | |
29 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,094Fees | 0.340%Above | 1,933 | |
30 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,248Fees | 0.222%Above | 1,007 | |
31 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,896Fees | 0.335%Above | 694 | |
32 | LEADERONE FINANCIAL CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,976Fees | 0.530%Above | 622 | |
33 | Arvest BankBank | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,363Fees | 0.181%Above | 582 | |
34 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $1,728Fees | 0.014%Below | 270 | |
35 | UMB Bank, National AssociationBank | Strong | Strong | Sound | Sound | Strong | $578Fees | 0.010%Above | 189 | |
36 | Stride Bank, National AssociationBank | Strong | Sound | Strong | Strong | Strong | $1,315Fees | 0.218%Above | 135 | |
37 | NexBankBank | Strong | Sound | Strong | Strong | Strong | $1,118Fees | 0.366%Above | 94 | |
38 | DELMAR FINANCIAL COMPANYIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $1,016Fees | 0.298%Above | 76 | |
39 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,717Fees | 0.283%Above | 61 | |
40 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,226Fees | 0.415%Above | 579 | |
41 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,663Fees | 0.375%Above | 437 | |
42 | Commerce BankBank | Strong | Sound | Strong | Sound | Strong | $122Fees | 0.263%Above | 332 | |
43 | Bell BankBank | Strong | Acceptable | Exceptional | Strong | Strong | $2,191Fees | 0.222%Above | 298 | |
44 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $1,434Fees | 0.249%Above | 292 | |
45 | Flagstar Bank, N.A.Bank | Strong | Acceptable | Exceptional | Strong | Strong | $1,625Fees | 0.311%Above | 280 | |
46 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,032Fees | 0.387%Above | 237 | |
47 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,239Fees | 0.430%Above | 162 | |
48 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,598Fees | 0.675%Above | 156 | |
49 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,944Fees | 0.292%Above | 153 | |
50 | NBH BankBank | Strong | Sound | Strong | Sound | Strong | $985Fees | 0.402%Above | 127 |
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.