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 | $1,287Fees | 0.202%Below | 726 | |
2 | Exchange BankBank | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,263Fees | 0.263%Below | 181 | |
3 | NBKC BANKBank | Exceptional | Exceptional | Strong | Sound | Exceptional | $261Fees | 0.085%Below | 378 | |
4 | Mid-America BankBank | Exceptional | Strong | Strong | Exceptional | Exceptional | $790Fees | 0.295%Above | 284 | |
5 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $532Fees | 0.538%Below | 245 | |
6 | FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,540Fees | 0.469%Above | 1,496 | |
7 | Fidelity Bank, National AssociationBank | Exceptional | Strong | Strong | Strong | Exceptional | $1,165Fees | 0.322%Above | 548 | |
8 | MERITRUST Federal Credit UnionCredit Union | Exceptional | Strong | Strong | Strong | Exceptional | $1,341Fees | 0.025%Above | 538 | |
9 | Landmark National BankBank | Exceptional | Strong | Strong | Strong | Exceptional | $999Fees | 0.061%Above | 502 | |
10 | First State Bank of St. Charles, MissouriBank | Exceptional | Strong | Strong | Strong | Exceptional | $1,749Fees | 0.067%Above | 483 | |
11 | Peoples Bank and Trust CompanyBank | Exceptional | Strong | Strong | Strong | Exceptional | $1,136Fees | 0.316%Above | 438 | |
12 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $494Fees | 0.201%Above | 308 | |
13 | Envista Credit UnionCredit Union | Exceptional | Strong | Strong | Strong | Exceptional | $1,117Fees | 0.137%Above | 277 | |
14 | First BankBank | Exceptional | Strong | Strong | Strong | Exceptional | $1,463Fees | 0.078%Above | 232 | |
15 | Bank of America, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,853Fees | 0.091%Below | 176 | |
16 | Intrust Bank, National AssociationBank | Exceptional | Exceptional | Sound | Sound | Exceptional | $1,001Fees | 0.160%Below | 138 | |
17 | Central National BankBank | Exceptional | Exceptional | Sound | Strong | Strong | $856Fees | 0.131%Above | 118 | |
18 | First National Bank of OmahaBank | Exceptional | Strong | Exceptional | Strong | Strong | $904Fees | 0.243%Above | 97 | |
19 | PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company | Exceptional | Exceptional | Exceptional | Sound | Sound | $1,259Fees | 0.083%Below | 69 | |
20 | COMMUNITYAMERICA CREDIT UNIONCredit Union | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,311Fees | 0.133%Above | 1,025 | |
21 | Wells Fargo Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $1,989Fees | 0.109%Above | 172 | |
22 | Truity Federal Credit UnionCredit Union | Exceptional | Strong | Strong | Strong | Strong | $716Fees | 0.051%Above | 109 | |
23 | COMMUNITY MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Strong | Strong | Strong | $1,120Fees | 0.077%Above | 94 | |
24 | Oakstar BankBank | Exceptional | Strong | Strong | Strong | Strong | $748Fees | 0.141%Above | 62 | |
25 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,368Fees | 0.416%Above | 2,363 | |
26 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,343Fees | 0.235%Above | 1,051 | |
27 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,720Fees | 0.526%Above | 265 | |
28 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,604Fees | 0.413%Above | 232 | |
29 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $1,824Fees | 0.197%Above | 220 | |
30 | The Central Trust BankBank | Strong | Sound | Exceptional | Strong | Strong | $1,003Fees | 0.229%Above | 198 | |
31 | BOKF, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $1,703Fees | 0.431%Above | 146 | |
32 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Strong | Strong | Sound | Strong | $1,394Fees | 0.192%Above | 125 | |
33 | Home Bank and Trust CompanyBank | Strong | Strong | Sound | Strong | Strong | $831Fees | 0.031%Above | 121 | |
34 | First Federal BankBank | Strong | Strong | Strong | Sound | Strong | $1,873Fees | 0.010%Below | 92 | |
35 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,082Fees | 0.390%Above | 1,609 | |
36 | Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,314Fees | 0.410%Above | 464 | |
37 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,267Fees | 0.520%Above | 428 | |
38 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,047Fees | 0.411%Above | 409 | |
39 | Arvest BankBank | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,353Fees | 0.218%Above | 389 | |
40 | NBH BankBank | Strong | Sound | Strong | Sound | Exceptional | $1,079Fees | 0.219%Above | 341 | |
41 | Gateway First BankBank | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,668Fees | 0.418%Above | 331 | |
42 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $1,773Fees | 0.056%Below | 319 | |
43 | CREDIT UNION OF AMERICACredit Union | Strong | Sound | Strong | Sound | Exceptional | $2,215Fees | 0.086%Below | 315 | |
44 | LEADERONE FINANCIAL CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,188Fees | 0.562%Above | 295 | |
45 | Commerce BankBank | Strong | Sound | Strong | Sound | Exceptional | $388Fees | 0.239%Above | 216 | |
46 | Bank of the Flint HillsBank | Strong | Sound | Sound | Exceptional | Strong | $1,042Fees | 0.177%Above | 116 | |
47 | Stride Bank, National AssociationBank | Strong | Sound | Strong | Strong | Strong | $1,319Fees | 0.248%Above | 75 | |
48 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,583Fees | 0.378%Above | 336 | |
49 | Flagstar Bank, N.A.Bank | Strong | Acceptable | Exceptional | Strong | Strong | $1,600Fees | 0.309%Above | 297 | |
50 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,932Fees | 0.318%Above | 282 |
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.