Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Lincoln FSB of NebraskaBank | Exceptional | Exceptional | Exceptional | Exceptional | $1,173Fees | 0.032%Below | 547 | |
2 | WEST GATE BANKBank | Exceptional | Exceptional | Exceptional | Exceptional | $704Fees | 0.136%Below | 310 | |
3 | Union Bank and Trust CompanyBank | Exceptional | Exceptional | Strong | Exceptional | $1,070Fees | 0.080%Below | 356 | |
4 | Pinnacle BankBank | Exceptional | Exceptional | Strong | Exceptional | $1,097Fees | 0.113%Below | 231 | |
5 | CORNHUSKER BANKBank | Exceptional | Exceptional | Strong | Exceptional | $500Fees | 0.094%Above | 144 | |
6 | U.S. Bank National AssociationBank | Strong | Strong | Strong | Strong | $761Fees | 0.183%Above | 144 | |
7 | First BankBank | Strong | Strong | Strong | Strong | $1,871Fees | 0.117%Above | 94 | |
8 | First National Bank of OmahaBank | Strong | Strong | Strong | Strong | $1,248Fees | 0.140%Above | 85 | |
9 | Security First BankBank | Strong | Strong | Strong | Strong | $924Fees | 0.040%Below | 67 | |
10 | NAVY FEDERAL CREDIT UNIONCredit Union | Strong | Exceptional | Sound | Sound | $693Fees | 0.826%Below | 22 | |
11 | GERSHMAN INVESTMENT CORP.Independent Mortgage Company | Strong | Sound | Strong | Exceptional | $1,381Fees | 0.223%Above | 299 | |
12 | CHARTER WEST BANKBank | Strong | Sound | Strong | Exceptional | $1,526Fees | 0.236%Above | 184 | |
13 | LIBERTY FIRST CREDIT UNIONCredit Union | Strong | Sound | Strong | Exceptional | $1,839Fees | 0.028%Below | 168 | |
14 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | $2,049Fees | 0.146%Above | 53 | |
15 | DELMAR FINANCIAL COMPANYIndependent Mortgage Company | Strong | Sound | Strong | Strong | $1,863Fees | 0.254%Above | 45 | |
16 | Frontier BankBank | Strong | Sound | Strong | Strong | $375Fees | 0.245%Above | 41 | |
17 | Wells Fargo Bank, National AssociationBank | Strong | Strong | Sound | Sound | $2,478Fees | 0.107%Above | 38 | |
18 | Financial Funding Solutions, Inc.Independent Mortgage Company | Strong | Strong | Sound | Sound | $1,140Fees | 0.076%Above | 24 | |
19 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $4,108Fees | 0.335%Above | 189 | |
20 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $1,482Fees | 0.474%Above | 153 | |
21 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $1,737Fees | 0.291%Above | 56 | |
22 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | $2,406Fees | 0.178%Below | 29 | |
23 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Sound | $2,127Fees | 0.826%Above | 29 | |
24 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Sound | $1,596Fees | 0.228%Above | 20 | |
25 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $1,132Fees | 0.168%Above | 118 | |
26 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $337Fees | 0.488%Above | 70 | |
27 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | $1,962Fees | 0.399%Above | 24 | |
28 | Plains Commerce BankBank | Sound | Acceptable | Strong | Sound | $1,935Fees | 0.399%Above | 29 | |
29 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Sound | Acceptable | Strong | Sound | $3,895Fees | 0.533%Above | 26 | |
30 | NEWREZ LLCIndependent Mortgage Company | Sound | Acceptable | Sound | Sound | $1,083Fees | 0.416%Above | 21 |
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.