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Safe Rate Rankings
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | U.S. Bank National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $688 | +0.180% | 364 | |
2 | Bank of America, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,917 | -0.109% | 218 | |
3 | UMB Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $578 | +0.010% | 189 | |
4 | COMMUNITYAMERICA CREDIT UNION | Exceptional | Strong | Strong | Strong | Exceptional | $1,251 | +0.150% | 2,185 | |
5 | Capitol Federal Savings Bank | Exceptional | Strong | Strong | Strong | Exceptional | $1,403 | -0.192% | 512 | |
6 | ROCKET MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,677 | +0.345% | 1,933 | |
7 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,363 | +0.316% | 1,417 | |
8 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,248 | +0.222% | 1,007 | |
9 | First State Bank of St. Charles, Missouri | Exceptional | Sound | Strong | Exceptional | Exceptional | $1,702 | +0.040% | 867 | |
10 | Landmark National Bank | Exceptional | Strong | Sound | Exceptional | Strong | $1,071 | -0.065% | 122 | |
11 | The Central Trust Bank | Strong | Sound | Exceptional | Strong | Strong | $69 | +0.308% | 443 | |
12 | Commerce Bank | Strong | Strong | Strong | Sound | Strong | $122 | +0.263% | 332 | |
13 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $1,708 | +0.096% | 303 | |
14 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,094 | +0.340% | 1,933 | |
15 | Arvest Bank | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,363 | +0.181% | 582 | |
16 | First Federal Bank of Kansas City | Strong | Sound | Strong | Strong | Strong | $1,624 | +0.552% | 189 | |
17 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,663 | +0.375% | 437 | |
18 | First Bank | Strong | Mediocre | Strong | Strong | Exceptional | $1,422 | +0.049% | 465 | |
19 | T2 FINANCIAL LLC | Strong | Acceptable | Strong | Sound | Strong | $3,598 | +0.675% | 156 | |
20 | Academy Bank, National Association | Strong | Sound | Sound | Acceptable | Strong | $1,137 | +0.322% | 153 |
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.
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