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 | $261Fees | 0.085%Below | 378 | |
2 | Exchange BankBank | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $1,263Fees | 0.263%Below | 181 | |
3 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,343Fees | 0.235%Above | 1,051 | |
4 | Armed Forces Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,342Fees | 0.082%Below | 81 | |
5 | First State Bank of St. Charles, MissouriBank | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,749Fees | 0.067%Above | 483 | |
6 | Arvest BankBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,353Fees | 0.218%Above | 389 | |
7 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $532Fees | 0.538%Below | 245 | |
8 | Intrust Bank, National AssociationBank | Exceptional | Exceptional | Sound | Strong | Exceptional | $1,001Fees | 0.160%Below | 138 | |
9 | First Federal BankBank | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,873Fees | 0.010%Below | 92 | |
10 | Landmark National BankBank | Exceptional | Strong | Strong | Strong | Exceptional | $999Fees | 0.061%Above | 502 | |
11 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,047Fees | 0.411%Above | 409 | |
12 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,773Fees | 0.056%Below | 319 | |
13 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $494Fees | 0.201%Above | 308 | |
14 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,711Fees | 0.297%Above | 304 | |
15 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,932Fees | 0.318%Above | 282 | |
16 | First BankBank | Exceptional | Strong | Strong | Strong | Exceptional | $1,463Fees | 0.078%Above | 232 | |
17 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,112Fees | 0.402%Above | 123 | |
18 | Central National BankBank | Exceptional | Strong | Strong | Exceptional | Strong | $856Fees | 0.131%Above | 118 | |
19 | COMMUNITY MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Strong | Exceptional | Strong | $1,120Fees | 0.077%Above | 94 | |
20 | Gateway First BankBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,668Fees | 0.418%Above | 331 | |
21 | Bell BankBank | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,075Fees | 0.247%Above | 278 | |
22 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,604Fees | 0.413%Above | 232 | |
23 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $1,824Fees | 0.197%Above | 220 | |
24 | USAA Federal Savings BankBank | Exceptional | Strong | Exceptional | Sound | Strong | $1,491Fees | 0.128%Below | 218 | |
25 | PENTAGON FEDERAL CREDIT UNIONCredit Union | Exceptional | Strong | Exceptional | Sound | Strong | $2,555Fees | 0.051%Below | 131 | |
26 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,590Fees | 0.285%Above | 97 | |
27 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,099Fees | 0.451%Above | 81 | |
28 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,368Fees | 0.416%Above | 2,363 | |
29 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,082Fees | 0.390%Above | 1,609 | |
30 | FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $1,540Fees | 0.469%Above | 1,496 | |
31 | COMMUNITYAMERICA CREDIT UNIONCredit Union | Strong | Sound | Strong | Strong | Exceptional | $1,311Fees | 0.133%Above | 1,025 | |
32 | NBH BankBank | Strong | Sound | Strong | Strong | Exceptional | $1,079Fees | 0.219%Above | 341 | |
33 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $1,600Fees | 0.309%Above | 297 | |
34 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,720Fees | 0.526%Above | 265 | |
35 | MORTGAGE INVESTMENT SERVICES CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $1,506Fees | 0.683%Above | 201 | |
36 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,416Fees | 0.403%Above | 188 | |
37 | Members Mortgage Services, L.L.C.Independent Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $1,612Fees | 0.427%Above | 181 | |
38 | PLANET HOME LENDING, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,926Fees | 0.482%Above | 178 | |
39 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,394Fees | 0.192%Above | 125 | |
40 | Plains Commerce BankBank | Strong | Sound | Exceptional | Strong | Strong | $2,108Fees | 0.607%Above | 97 | |
41 | Stride Bank, National AssociationBank | Strong | Sound | Strong | Exceptional | Strong | $1,319Fees | 0.248%Above | 75 | |
42 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $817Fees | 0.523%Above | 1,040 | |
43 | Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,314Fees | 0.410%Above | 464 | |
44 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,267Fees | 0.520%Above | 428 | |
45 | The Central Trust BankBank | Strong | Sound | Strong | Strong | Strong | $1,003Fees | 0.229%Above | 198 | |
46 | Wells Fargo Bank, National AssociationBank | Strong | Sound | Exceptional | Sound | Strong | $1,989Fees | 0.109%Above | 172 | |
47 | American Mortgage Bank, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $1,822Fees | 0.459%Above | 125 | |
48 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,904Fees | 0.661%Above | 110 | |
49 | Fidelity Bank, National AssociationBank | Strong | Acceptable | Strong | Strong | Exceptional | $1,165Fees | 0.322%Above | 548 | |
50 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,583Fees | 0.378%Above | 336 |
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.