Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Landmark National BankBank | Exceptional | Strong | Strong | Exceptional | Exceptional | $999Fees | 0.061%Above | 502 | |
2 | First State Bank of St. Charles, MissouriBank | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,749Fees | 0.067%Above | 483 | |
3 | NBKC BANKBank | Exceptional | Exceptional | Strong | Sound | Exceptional | $261Fees | 0.085%Below | 378 | |
4 | FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,540Fees | 0.469%Above | 1,496 | |
5 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,343Fees | 0.235%Above | 1,051 | |
6 | COMMUNITYAMERICA CREDIT UNIONCredit Union | Exceptional | Strong | Strong | Strong | Exceptional | $1,311Fees | 0.133%Above | 1,025 | |
7 | NBH BankBank | Exceptional | Strong | Strong | Strong | Exceptional | $1,079Fees | 0.219%Above | 341 | |
8 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,711Fees | 0.297%Above | 304 | |
9 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,932Fees | 0.318%Above | 282 | |
10 | First BankBank | Exceptional | Strong | Strong | Strong | Exceptional | $1,463Fees | 0.078%Above | 232 | |
11 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,604Fees | 0.413%Above | 232 | |
12 | UMB Bank, National AssociationBank | Exceptional | Exceptional | Strong | Sound | Strong | $526Fees | 0.141%Above | 109 | |
13 | COMMUNITY MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Strong | Exceptional | Strong | $1,120Fees | 0.077%Above | 94 | |
14 | Fidelity Bank, National AssociationBank | Exceptional | Strong | Strong | Sound | Exceptional | $1,165Fees | 0.322%Above | 548 | |
15 | Arvest BankBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,353Fees | 0.218%Above | 389 | |
16 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $1,773Fees | 0.056%Below | 319 | |
17 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $494Fees | 0.201%Above | 308 | |
18 | First National Bank of OmahaBank | Exceptional | Strong | Strong | Strong | Strong | $904Fees | 0.243%Above | 97 | |
19 | First Federal BankBank | Exceptional | Strong | Strong | Strong | Strong | $1,873Fees | 0.010%Below | 92 | |
20 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,368Fees | 0.416%Above | 2,363 | |
21 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,082Fees | 0.390%Above | 1,609 | |
22 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,047Fees | 0.411%Above | 409 | |
23 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $1,600Fees | 0.309%Above | 297 | |
24 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,720Fees | 0.526%Above | 265 | |
25 | The Central Trust BankBank | Strong | Sound | Exceptional | Strong | Strong | $1,003Fees | 0.229%Above | 198 | |
26 | Members Mortgage Services, L.L.C.Independent Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $1,612Fees | 0.427%Above | 181 | |
27 | PLANET HOME LENDING, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,926Fees | 0.482%Above | 178 | |
28 | PENTAGON FEDERAL CREDIT UNIONCredit Union | Strong | Strong | Strong | Sound | Strong | $2,555Fees | 0.051%Below | 131 | |
29 | Plains Commerce BankBank | Strong | Sound | Exceptional | Strong | Strong | $2,108Fees | 0.607%Above | 97 | |
30 | Stride Bank, National AssociationBank | Strong | Sound | Strong | Exceptional | Strong | $1,319Fees | 0.248%Above | 75 | |
31 | RCB BankBank | Strong | Strong | Sound | Strong | Strong | $1,001Fees | 0.398%Below | 67 | |
32 | Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,314Fees | 0.410%Above | 464 | |
33 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,267Fees | 0.520%Above | 428 | |
34 | Gateway First BankBank | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,668Fees | 0.418%Above | 331 | |
35 | Commerce BankBank | Strong | Sound | Strong | Sound | Exceptional | $388Fees | 0.239%Above | 216 | |
36 | MORTGAGE INVESTMENT SERVICES CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Sound | Exceptional | $1,506Fees | 0.683%Above | 201 | |
37 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $2,416Fees | 0.403%Above | 188 | |
38 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,896Fees | 0.462%Above | 151 | |
39 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,904Fees | 0.661%Above | 110 | |
40 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Exceptional | $817Fees | 0.523%Above | 1,040 | |
41 | Bell BankBank | Strong | Acceptable | Exceptional | Strong | Strong | $2,075Fees | 0.247%Above | 278 | |
42 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Sound | Strong | $1,824Fees | 0.197%Above | 220 | |
43 | Sunflower Bank, National AssociationBank | Strong | Acceptable | Exceptional | Strong | Strong | $1,893Fees | 0.169%Above | 169 | |
44 | REGENT FINANCIAL GROUP, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Exceptional | Strong | $1,934Fees | 0.539%Above | 130 | |
45 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,112Fees | 0.402%Above | 123 | |
46 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,893Fees | 0.908%Above | 104 | |
47 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,590Fees | 0.285%Above | 97 | |
48 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,274Fees | 0.465%Above | 90 | |
49 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,099Fees | 0.451%Above | 81 | |
50 | ZILLOW HOME LOANS, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,680Fees | 0.741%Above | 75 |
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.