Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | First State Bank of St. Charles, MissouriBank | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,702Fees | 0.040%Above | 867 | |
2 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,896Fees | 0.335%Above | 694 | |
3 | NBKC BANKBank | Exceptional | Exceptional | Strong | Sound | Exceptional | $192Fees | 0.086%Below | 592 | |
4 | COMMUNITY MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,629Fees | 0.105%Above | 581 | |
5 | MEGASTAR FINANCIAL CORP.Independent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Strong | $6,190Credit | 0.364%Above | 121 | |
6 | COMMUNITYAMERICA CREDIT UNIONCredit Union | Exceptional | Strong | Strong | Strong | Exceptional | $1,251Fees | 0.150%Above | 2,185 | |
7 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,363Fees | 0.316%Above | 1,417 | |
8 | FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,922Fees | 0.366%Above | 1,322 | |
9 | First BankBank | Exceptional | Strong | Strong | Strong | Exceptional | $1,422Fees | 0.049%Above | 465 | |
10 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,434Fees | 0.249%Above | 292 | |
11 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,467Fees | 0.352%Above | 248 | |
12 | UMB Bank, National AssociationBank | Exceptional | Exceptional | Strong | Sound | Strong | $578Fees | 0.010%Above | 189 | |
13 | Arvest BankBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,363Fees | 0.181%Above | 582 | |
14 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $688Fees | 0.180%Above | 364 | |
15 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $1,728Fees | 0.014%Below | 270 | |
16 | First National Bank of OmahaBank | Exceptional | Strong | Strong | Strong | Strong | $795Fees | 0.274%Above | 171 | |
17 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,393Fees | 0.209%Above | 152 | |
18 | First Federal BankBank | Exceptional | Strong | Strong | Strong | Strong | $1,699Fees | 0.121%Above | 147 | |
19 | NBH BankBank | Exceptional | Strong | Strong | Strong | Strong | $985Fees | 0.402%Above | 127 | |
20 | GoodLeap, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $2,955Fees | 0.332%Below | 90 | |
21 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,094Fees | 0.340%Above | 1,933 | |
22 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,677Fees | 0.345%Above | 1,933 | |
23 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,248Fees | 0.222%Above | 1,007 | |
24 | The Central Trust BankBank | Strong | Sound | Exceptional | Strong | Strong | $69Fees | 0.308%Above | 443 | |
25 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $1,625Fees | 0.311%Above | 280 | |
26 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,472Fees | 0.369%Above | 199 | |
27 | JLB CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | Strong | $4,650Fees | 0.265%Above | 145 | |
28 | Stride Bank, National AssociationBank | Strong | Sound | Strong | Exceptional | Strong | $1,315Fees | 0.218%Above | 135 | |
29 | Fidelity Bank, National AssociationBank | Strong | Strong | Strong | Sound | Strong | $994Fees | 0.471%Above | 90 | |
30 | LENDLO MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | Sound | $2,427Fees | 0.586%Above | 60 | |
31 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $2,179Fees | 0.379%Above | 195 | |
32 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,239Fees | 0.430%Above | 162 | |
33 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,598Fees | 0.675%Above | 156 | |
34 | Academy Bank, National AssociationBank | Strong | Strong | Sound | Sound | Strong | $1,137Fees | 0.322%Above | 153 | |
35 | Mazuma Credit UnionCredit Union | Strong | Strong | Sound | Sound | Strong | $1,359Fees | 0.485%Above | 135 | |
36 | Plains Commerce BankBank | Strong | Sound | Exceptional | Strong | Sound | $2,433Fees | 0.559%Above | 87 | |
37 | DELMAR FINANCIAL COMPANYIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $1,016Fees | 0.298%Above | 76 | |
38 | North American Savings Bank, F.S.B.Bank | Strong | Strong | Sound | Sound | Strong | $906Fees | 0.232%Above | 64 | |
39 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,226Fees | 0.415%Above | 579 | |
40 | Commerce BankBank | Strong | Sound | Strong | Sound | Strong | $122Fees | 0.263%Above | 332 | |
41 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Sound | Strong | $1,708Fees | 0.096%Above | 303 | |
42 | Bell BankBank | Strong | Acceptable | Exceptional | Strong | Strong | $2,191Fees | 0.222%Above | 298 | |
43 | First Federal Bank of Kansas CityBank | Strong | Sound | — | Strong | Strong | $1,624Fees | 0.552%Above | 189 | |
44 | Wells Fargo Bank, National AssociationBank | Strong | Sound | Strong | Sound | Strong | $2,197Fees | 0.091%Above | 162 | |
45 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,944Fees | 0.292%Above | 153 | |
46 | Midwest Mortgage Associates CorporationIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $1,608Fees | 0.368%Above | 102 | |
47 | SUN WEST MORTGAGE COMPANY, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,530Fees | 0.421%Above | 90 | |
48 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $1,766Fees | 0.321%Above | 525 | |
49 | BOKF, National AssociationBank | Strong | Acceptable | Strong | Strong | Strong | $1,707Fees | 0.378%Above | 135 | |
50 | American Mortgage Bank, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $2,545Fees | 0.546%Above | 76 |
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.