Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Lincoln FSB of NebraskaBank | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $1,173Fees | 0.032%Below | 547 | |
2 | Pinnacle BankBank | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $1,097Fees | 0.113%Below | 231 | |
3 | Union Bank and Trust CompanyBank | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,070Fees | 0.080%Below | 356 | |
4 | CHARTER WEST BANKBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,526Fees | 0.236%Above | 184 | |
5 | LIBERTY FIRST CREDIT UNIONCredit Union | Exceptional | Exceptional | Strong | Sound | Exceptional | $1,839Fees | 0.028%Below | 168 | |
6 | WEST GATE BANKBank | Exceptional | Exceptional | Sound | Sound | Exceptional | $704Fees | 0.136%Below | 310 | |
7 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,132Fees | 0.168%Above | 118 | |
8 | GERSHMAN INVESTMENT CORP.Independent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,381Fees | 0.223%Above | 299 | |
9 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $761Fees | 0.183%Above | 144 | |
10 | First BankBank | Exceptional | Strong | Strong | Strong | Strong | $1,871Fees | 0.117%Above | 94 | |
11 | First National Bank of OmahaBank | Exceptional | Strong | Strong | Strong | Strong | $1,248Fees | 0.140%Above | 85 | |
12 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $2,127Fees | 0.826%Above | 29 | |
13 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | Sound | $2,049Fees | 0.146%Above | 53 | |
14 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Strong | Exceptional | Sound | Sound | $2,406Fees | 0.178%Below | 29 | |
15 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,108Fees | 0.335%Above | 189 | |
16 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,737Fees | 0.291%Above | 56 | |
17 | DELMAR FINANCIAL COMPANYIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $1,863Fees | 0.254%Above | 45 | |
18 | Plains Commerce BankBank | Strong | Sound | Exceptional | Strong | Sound | $1,935Fees | 0.399%Above | 29 | |
19 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $4,181Fees | 0.221%Above | 16 | |
20 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,482Fees | 0.474%Above | 153 | |
21 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Sound | $1,083Fees | 0.416%Above | 21 | |
22 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,895Fees | 0.533%Above | 26 | |
23 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $1,962Fees | 0.399%Above | 24 | |
24 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $1,082Fees | 0.130%Above | 19 | |
25 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Sound | $2,153Fees | 1.154%Above | 11 |
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.