Safe Rate Rankings
Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | ENCORE BANKBank | Exceptional | Exceptional | Strong | Sound | Exceptional | $760Fees | 0.240%Above | 226 | |
2 | First Security BankBank | Exceptional | Exceptional | Strong | Sound | Exceptional | $2,134Fees | 0.195%Below | 170 | |
3 | The First National Bank of Fort SmithBank | Exceptional | Exceptional | Strong | Strong | Strong | $1,363Fees | 0.120%Above | 46 | |
4 | Eagle Bank and Trust CompanyBank | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,276Fees | 0.182%Above | 445 | |
5 | LENDLO MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,900Fees | 0.140%Above | 356 | |
6 | FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,153Fees | 0.406%Above | 333 | |
7 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,604Fees | 0.118%Below | 233 | |
8 | BANK OF LITTLE ROCK MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Strong | Strong | Exceptional | $1,033Fees | 0.194%Above | 229 | |
9 | First Horizon BankBank | Exceptional | Strong | Strong | Strong | Exceptional | $1,466Fees | 0.120%Above | 203 | |
10 | Simmons BankBank | Exceptional | Strong | Strong | Strong | Exceptional | $1,720Fees | 0.371%Above | 174 | |
11 | Cadence BankBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,677Fees | 0.211%Above | 78 | |
12 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $3,453Fees | 0.477%Above | 76 | |
13 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $3,682Fees | 0.552%Above | 63 | |
14 | Arvest BankBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,743Fees | 0.321%Above | 532 | |
15 | Centennial BankBank | Exceptional | Strong | Strong | Sound | Exceptional | $1,665Fees | 0.296%Above | 241 | |
16 | Bank of EnglandBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,707Fees | 0.308%Above | 222 | |
17 | COMMUNITY MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Sound | Strong | Exceptional | Exceptional | $2,387Fees | 0.102%Above | 134 | |
18 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $2,190Fees | 0.030%Below | 124 | |
19 | Chambers BankBank | Exceptional | Strong | Sound | Strong | Exceptional | $2,157Fees | 0.120%Below | 95 | |
20 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $1,014Fees | 0.157%Above | 89 | |
21 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,834Fees | 0.453%Above | 655 | |
22 | First Community BankBank | Strong | Sound | Strong | Strong | Exceptional | $3,385Fees | 0.190%Above | 172 | |
23 | MORTGAGE FINANCIAL SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,585Fees | 0.637%Above | 78 | |
24 | GERSHMAN INVESTMENT CORP.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,298Fees | 0.005%Below | 49 | |
25 | GoodLeap, LLCIndependent Mortgage Company | Strong | Strong | Exceptional | Sound | Sound | $4,689Fees | 0.437%Above | 24 | |
26 | Regions BankBank | Strong | Sound | Exceptional | Sound | Strong | $1,948Fees | 0.343%Above | 168 | |
27 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,900Fees | 0.608%Above | 66 | |
28 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,749Fees | 0.437%Above | 57 | |
29 | CORNERSTONE CAPITAL BANK, SSBBank | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,463Fees | 0.974%Above | 55 | |
30 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,001Fees | 0.335%Above | 54 | |
31 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $2,272Fees | 0.400%Above | 52 | |
32 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,214Fees | 0.260%Above | 44 | |
33 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Exceptional | $2,292Fees | 0.161%Above | 319 | |
34 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,336Fees | 0.374%Above | 96 | |
35 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,062Fees | 0.359%Above | 94 | |
36 | PILGRIM MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | Strong | $3,161Fees | 0.676%Above | 62 | |
37 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $4,851Fees | 0.855%Above | 35 | |
38 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD.Independent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $3,572Fees | 0.579%Above | 144 | |
39 | Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,644Fees | 0.438%Above | 30 | |
40 | Gateway First BankBank | Strong | Acceptable | Exceptional | Strong | Sound | $2,063Fees | 0.452%Above | 29 | |
41 | MORTGAGE SOLUTIONS OF COLORADO, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $1,675Fees | 0.585%Above | 26 | |
42 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,569Fees | 0.627%Above | 26 | |
43 | STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,097Fees | 0.427%Above | 21 | |
44 | ZILLOW HOME LOANS, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,905Fees | 0.992%Above | 21 | |
45 | SENTE MORTGAGE, INC.Independent Mortgage Company | Strong | Mediocre | Strong | Strong | Exceptional | $3,526Fees | 0.477%Above | 145 | |
46 | Luminate Home Loans, Inc.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,635Fees | 0.951%Above | 96 | |
47 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,231Fees | 0.554%Above | 76 | |
48 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $2,922Fees | 0.782%Above | 62 | |
49 | AMERISAVE MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $5,072Fees | 1.067%Above | 33 | |
50 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $3,864Fees | 0.651%Above | 30 |
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.