Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | LENDLO MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Exceptional | Exceptional | Exceptional | Exceptional | $2,900Fees | 0.140%Above | 356 | |
2 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,604Fees | 0.118%Below | 233 | |
3 | First Horizon BankBank | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,466Fees | 0.120%Above | 203 | |
4 | Arvest BankBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,743Fees | 0.321%Above | 532 | |
5 | Eagle Bank and Trust CompanyBank | Exceptional | Strong | Strong | Exceptional | Exceptional | $2,276Fees | 0.182%Above | 445 | |
6 | First Security BankBank | Exceptional | Exceptional | Strong | Sound | Exceptional | $2,134Fees | 0.195%Below | 170 | |
7 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $885Fees | 0.492%Below | 82 | |
8 | NBKC BANKBank | Exceptional | Exceptional | Exceptional | Strong | Sound | $430Fees | 0.101%Below | 34 | |
9 | BANK OF LITTLE ROCK MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Strong | Strong | Exceptional | $1,033Fees | 0.194%Above | 229 | |
10 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,190Fees | 0.030%Below | 124 | |
11 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,336Fees | 0.374%Above | 96 | |
12 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,014Fees | 0.157%Above | 89 | |
13 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $3,453Fees | 0.477%Above | 76 | |
14 | ARKANSAS Federal Credit UnionCredit Union | Exceptional | Sound | Strong | Exceptional | Exceptional | $2,557Fees | 0.069%Below | 280 | |
15 | ENCORE BANKBank | Exceptional | Strong | Strong | Sound | Exceptional | $760Fees | 0.240%Above | 226 | |
16 | Chambers BankBank | Exceptional | Sound | Strong | Exceptional | Exceptional | $2,157Fees | 0.120%Below | 95 | |
17 | USAA Federal Savings BankBank | Exceptional | Strong | Exceptional | Sound | Strong | $1,391Fees | 0.161%Below | 76 | |
18 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,682Fees | 0.552%Above | 63 | |
19 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,834Fees | 0.453%Above | 655 | |
20 | FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,153Fees | 0.406%Above | 333 | |
21 | Centennial BankBank | Strong | Sound | Strong | Strong | Exceptional | $1,665Fees | 0.296%Above | 241 | |
22 | Bank of EnglandBank | Strong | Sound | Strong | Strong | Exceptional | $1,707Fees | 0.308%Above | 222 | |
23 | First Community BankBank | Strong | Sound | Strong | Strong | Exceptional | $3,385Fees | 0.190%Above | 172 | |
24 | SWBC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | Sound | $3,847Fees | 0.277%Above | 39 | |
25 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,292Fees | 0.161%Above | 319 | |
26 | Simmons BankBank | Strong | Sound | Strong | Sound | Exceptional | $1,720Fees | 0.371%Above | 174 | |
27 | COMMUNITY MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | Exceptional | $2,387Fees | 0.102%Above | 134 | |
28 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,900Fees | 0.608%Above | 66 | |
29 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,001Fees | 0.335%Above | 54 | |
30 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,214Fees | 0.260%Above | 44 | |
31 | Regions BankBank | Strong | Sound | Strong | Sound | Strong | $1,948Fees | 0.343%Above | 168 | |
32 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,572Fees | 0.579%Above | 144 | |
33 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,062Fees | 0.359%Above | 94 | |
34 | MORTGAGE FINANCIAL SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,585Fees | 0.637%Above | 78 | |
35 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,231Fees | 0.554%Above | 76 | |
36 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,922Fees | 0.782%Above | 62 | |
37 | PILGRIM MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $3,161Fees | 0.676%Above | 62 | |
38 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,288Fees | 0.080%Above | 39 | |
39 | Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,644Fees | 0.438%Above | 30 | |
40 | MORTGAGE SOLUTIONS OF COLORADO, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $1,675Fees | 0.585%Above | 26 | |
41 | GoodLeap, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Sound | $4,689Fees | 0.437%Above | 24 | |
42 | SENTE MORTGAGE, INC.Independent Mortgage Company | Strong | Mediocre | Strong | Strong | Exceptional | $3,526Fees | 0.477%Above | 145 | |
43 | Luminate Home Loans, Inc.Independent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $4,635Fees | 0.951%Above | 96 | |
44 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $2,094Fees | 0.750%Above | 85 | |
45 | AMERISAVE MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Acceptable | Strong | Sound | Sound | $5,072Fees | 1.067%Above | 33 | |
46 | NEW DAY FINANCIAL, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Sound | $4,633Fees | 0.939%Above | 41 | |
47 | The Federal Savings BankBank | Sound | Mediocre | Exceptional | Sound | Sound | $2,644Fees | 0.379%Above | 29 |
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.