Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Peoples Exchange BankBank | Exceptional | Exceptional | Strong | Strong | Exceptional | $812Fees | 0.036%Below | 99 | |
2 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,953Fees | 0.498%Above | 366 | |
3 | Guardian Savings BankBank | Exceptional | Exceptional | Strong | Sound | Exceptional | $1,246Fees | 0.156%Above | 289 | |
4 | Republic Bank & Trust CompanyBank | Exceptional | Exceptional | Strong | Sound | Exceptional | $744Fees | 0.142%Above | 138 | |
5 | Central Bank & Trust CompanyBank | Exceptional | Exceptional | Sound | Sound | Exceptional | $369Fees | 0.129%Below | 220 | |
6 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,686Fees | 0.168%Above | 188 | |
7 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,221Fees | 0.461%Above | 64 | |
8 | REPUBLIC STATE MORTGAGE CO.Independent Mortgage Company | Exceptional | Strong | Strong | Exceptional | Strong | $2,963Fees | 0.448%Above | 62 | |
9 | FBC MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Sound | $2,600Fees | 0.147%Above | 26 | |
10 | Bank of EnglandBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,075Fees | 0.451%Above | 156 | |
11 | Stock Yards Bank & Trust CompanyBank | Exceptional | Strong | Strong | Sound | Exceptional | $750Fees | 0.099%Above | 142 | |
12 | Fifth Third Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $588Fees | 0.304%Above | 141 | |
13 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $472Fees | 0.164%Above | 91 | |
14 | WesBanco Bank, Inc.Bank | Exceptional | Strong | Strong | Strong | Strong | $1,339Fees | 0.098%Above | 39 | |
15 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $2,478Fees | 0.324%Above | 29 | |
16 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,549Fees | 0.367%Above | 489 | |
17 | PNC Bank, National AssociationBank | Strong | Strong | Strong | Sound | Strong | $442Fees | 0.159%Above | 49 | |
18 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Strong | Exceptional | Sound | Sound | $629Fees | 0.061%Above | 36 | |
19 | SWBC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | Sound | $3,293Fees | 0.316%Above | 15 | |
20 | STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,234Fees | 0.236%Above | 484 | |
21 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Sound | Exceptional | $2,065Fees | 0.207%Above | 184 | |
22 | Traditional Bank, Inc.Bank | Strong | Sound | Sound | Strong | Exceptional | $944Fees | 0.102%Above | 84 | |
23 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,891Fees | 0.136%Above | 55 | |
24 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Sound | $1,782Fees | 0.222%Above | 38 | |
25 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $3,281Fees | 0.305%Above | 33 | |
26 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,093Fees | 0.721%Above | 25 | |
27 | Northpointe BankBank | Strong | Sound | Exceptional | Strong | Sound | $3,724Fees | 0.294%Above | 24 | |
28 | RUOFF MORTGAGE COMPANY, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,143Fees | 0.354%Above | 59 | |
29 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,501Fees | 0.084%Above | 56 | |
30 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,965Fees | 0.240%Above | 52 | |
31 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $2,091Fees | 0.641%Above | 38 | |
32 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Sound | $3,044Fees | 0.378%Above | 26 | |
33 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $4,193Fees | 0.559%Above | 23 | |
34 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $3,451Fees | 0.165%Above | 100 | |
35 | GENEVA FINANCIAL, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $3,073Fees | 0.317%Above | 92 | |
36 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,826Fees | 0.779%Above | 12 | |
37 | Ixonia BankBank | Strong | Mediocre | Exceptional | Strong | Strong | $2,752Fees | 0.581%Above | 58 | |
38 | Luminate Home Loans, Inc.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,196Fees | 0.447%Above | 55 | |
39 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $6,215Fees | 0.411%Above | 21 | |
40 | AMERISAVE MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $3,918Fees | 0.828%Above | 13 | |
41 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $3,260Fees | 0.588%Above | 112 | |
42 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $4,077Fees | 0.326%Above | 38 | |
43 | AmRes CorporationIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $3,554Fees | 0.618%Above | 30 | |
44 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $2,759Fees | 0.560%Above | 19 | |
45 | TOP FLITE FINANCIAL, INC.Independent Mortgage Company | Sound | Mediocre | Strong | Sound | Sound | $5,996Fees | 0.794%Above | 14 |
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.