Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | NBKC BANKBank | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $192Fees | 0.086%Below | 592 | |
2 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,363Fees | 0.316%Above | 1,417 | |
3 | Armed Forces Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,652Fees | 0.001%Above | 76 | |
4 | LENDLO MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Exceptional | Exceptional | Exceptional | Sound | $2,427Fees | 0.586%Above | 60 | |
5 | First State Bank of St. Charles, MissouriBank | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,702Fees | 0.040%Above | 867 | |
6 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,896Fees | 0.335%Above | 694 | |
7 | Arvest BankBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,363Fees | 0.181%Above | 582 | |
8 | COMMUNITY MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,629Fees | 0.105%Above | 581 | |
9 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $591Fees | 0.538%Below | 207 | |
10 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,393Fees | 0.209%Above | 152 | |
11 | First Federal BankBank | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,699Fees | 0.121%Above | 147 | |
12 | MEGASTAR FINANCIAL CORP.Independent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Strong | $6,190Credit | 0.364%Above | 121 | |
13 | North American Savings Bank, F.S.B.Bank | Exceptional | Exceptional | Strong | Strong | Strong | $906Fees | 0.232%Above | 64 | |
14 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,248Fees | 0.222%Above | 1,007 | |
15 | First BankBank | Exceptional | Strong | Strong | Strong | Exceptional | $1,422Fees | 0.049%Above | 465 | |
16 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $688Fees | 0.180%Above | 364 | |
17 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,434Fees | 0.249%Above | 292 | |
18 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,728Fees | 0.014%Below | 270 | |
19 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,944Fees | 0.292%Above | 153 | |
20 | Bell BankBank | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,191Fees | 0.222%Above | 298 | |
21 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,467Fees | 0.352%Above | 248 | |
22 | USAA Federal Savings BankBank | Exceptional | Strong | Exceptional | Sound | Strong | $1,700Fees | 0.120%Below | 122 | |
23 | COMMUNITYAMERICA CREDIT UNIONCredit Union | Strong | Sound | Strong | Strong | Exceptional | $1,251Fees | 0.150%Above | 2,185 | |
24 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,094Fees | 0.340%Above | 1,933 | |
25 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,677Fees | 0.345%Above | 1,933 | |
26 | FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $1,922Fees | 0.366%Above | 1,322 | |
27 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $1,625Fees | 0.311%Above | 280 | |
28 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,472Fees | 0.369%Above | 199 | |
29 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,179Fees | 0.379%Above | 195 | |
30 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,487Fees | 0.121%Above | 166 | |
31 | Stride Bank, National AssociationBank | Strong | Sound | Strong | Exceptional | Strong | $1,315Fees | 0.218%Above | 135 | |
32 | SUN WEST MORTGAGE COMPANY, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,530Fees | 0.421%Above | 90 | |
33 | The Central Trust BankBank | Strong | Sound | Strong | Strong | Strong | $69Fees | 0.308%Above | 443 | |
34 | Oakstar BankBank | Strong | Strong | Acceptable | Strong | Strong | $649Fees | 0.027%Above | 168 | |
35 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,598Fees | 0.675%Above | 156 | |
36 | Midwest Mortgage Associates CorporationIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $1,608Fees | 0.368%Above | 102 | |
37 | American Mortgage Bank, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $2,545Fees | 0.546%Above | 76 | |
38 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,226Fees | 0.415%Above | 579 | |
39 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,766Fees | 0.321%Above | 525 | |
40 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,663Fees | 0.375%Above | 437 | |
41 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,032Fees | 0.387%Above | 237 | |
42 | ENDEAVOR CAPITAL, LLC.Independent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $1,826Fees | 0.261%Above | 222 | |
43 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,239Fees | 0.430%Above | 162 | |
44 | Academy Bank, National AssociationBank | Strong | Strong | Sound | Acceptable | Strong | $1,137Fees | 0.322%Above | 153 | |
45 | GoodLeap, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $2,955Fees | 0.332%Below | 90 | |
46 | LEADERONE FINANCIAL CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $2,976Fees | 0.530%Above | 622 | |
47 | HALLMARK HOME MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $2,839Fees | 0.715%Above | 144 | |
48 | Mazuma Credit UnionCredit Union | Strong | Sound | — | Sound | Strong | $1,359Fees | 0.485%Above | 135 | |
49 | GENEVA FINANCIAL, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $2,741Fees | 0.508%Above | 89 | |
50 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | 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.