Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,343Fees | 0.235%Above | 1,051 | |
2 | Landmark National BankBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $999Fees | 0.061%Above | 502 | |
3 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,267Fees | 0.520%Above | 428 | |
4 | GOLDEN PLAINS CREDIT UNIONCredit Union | Exceptional | Exceptional | Strong | Sound | Exceptional | $630Fees | 0.022%Below | 215 | |
5 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,604Fees | 0.413%Above | 232 | |
6 | NEWREZ LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,416Fees | 0.403%Above | 188 | |
7 | FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,540Fees | 0.469%Above | 1,496 | |
8 | Peoples Bank and Trust CompanyBank | Exceptional | Strong | — | Strong | Exceptional | $1,136Fees | 0.316%Above | 438 | |
9 | MORTGAGE INVESTMENT SERVICES CORPORATIONIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Exceptional | $1,506Fees | 0.683%Above | 201 | |
10 | PLANET HOME LENDING, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,926Fees | 0.482%Above | 178 | |
11 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,590Fees | 0.285%Above | 97 | |
12 | Stride Bank, National AssociationBank | Strong | Sound | Strong | Exceptional | Strong | $1,319Fees | 0.248%Above | 75 | |
13 | Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,314Fees | 0.410%Above | 464 | |
14 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,047Fees | 0.411%Above | 409 | |
15 | Arvest BankBank | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,353Fees | 0.218%Above | 389 | |
16 | Gateway First BankBank | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,668Fees | 0.418%Above | 331 | |
17 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Sound | Strong | $1,600Fees | 0.309%Above | 297 | |
18 | LEADERONE FINANCIAL CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,188Fees | 0.562%Above | 295 | |
19 | Members Mortgage Services, L.L.C.Independent Mortgage Company | Strong | Sound | Strong | Sound | Exceptional | $1,612Fees | 0.427%Above | 181 | |
20 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $559Fees | 0.953%Above | 71 | |
21 | Bell BankBank | Strong | Acceptable | Strong | Exceptional | Strong | $2,075Fees | 0.247%Above | 278 | |
22 | American Mortgage Bank, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,822Fees | 0.459%Above | 125 | |
23 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,112Fees | 0.402%Above | 123 | |
24 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,893Fees | 0.908%Above | 104 | |
25 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $2,082Fees | 0.390%Above | 1,609 | |
26 | Community National Bank & TrustBank | Strong | Acceptable | Strong | Sound | Exceptional | $1,395Fees | 0.636%Above | 196 | |
27 | PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $2,280Fees | 0.839%Above | 199 | |
28 | Sunflower Bank, National AssociationBank | Strong | Acceptable | Sound | Strong | Strong | $1,893Fees | 0.169%Above | 169 | |
29 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $1,896Fees | 0.462%Above | 151 | |
30 | Click n' Close, Inc.Independent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $5,595Fees | 1.730%Above | 165 |
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.