Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Midwest BankCentreBank | Exceptional | Exceptional | Strong | Strong | $587Fees | 0.003%Above | 289 | |
2 | VICTORY MORTGAGE, L.L.C.Independent Mortgage Company | Exceptional | Exceptional | Strong | Strong | $658Fees | 0.143%Above | 164 | |
3 | U.S. Bank National AssociationBank | Exceptional | Strong | Strong | Exceptional | $715Fees | 0.217%Above | 1,525 | |
4 | First State Bank of St. Charles, MissouriBank | Exceptional | Strong | Strong | Exceptional | $1,437Fees | 0.124%Above | 1,157 | |
5 | Stifel Bank and TrustBank | Exceptional | Strong | Strong | Exceptional | $281Fees | 0.060%Below | 1,033 | |
6 | COMMUNITY MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Strong | Exceptional | $1,670Fees | 0.128%Above | 728 | |
7 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Sound | Strong | $520Fees | 0.463%Below | 577 | |
8 | First BankBank | Exceptional | Strong | Strong | Exceptional | $1,280Fees | 0.156%Above | 547 | |
9 | NBKC BANKBank | Exceptional | Exceptional | Sound | Strong | $363Fees | 0.078%Below | 500 | |
10 | Great Southern BankBank | Exceptional | Strong | Strong | Exceptional | $924Fees | 0.094%Above | 461 | |
11 | MISSOURI Credit UnionCredit Union | Exceptional | Exceptional | Sound | Strong | $646Fees | 0.032%Above | 188 | |
12 | FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $1,466Fees | 0.402%Above | 6,598 | |
13 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $1,693Fees | 0.358%Above | 3,245 | |
14 | Bank of America, National AssociationBank | Strong | Strong | Strong | Strong | $1,489Fees | 0.027%Below | 472 | |
15 | Oakstar BankBank | Strong | Strong | Strong | Strong | $899Fees | 0.205%Above | 401 | |
16 | Carrollton BankBank | Strong | Strong | Strong | Strong | $872Fees | 0.256%Above | 323 | |
17 | Truist BankBank | Strong | Strong | Strong | Strong | $482Fees | 0.229%Above | 273 | |
18 | ASSEMBLIES OF GOD Credit UnionCredit Union | Strong | Strong | Strong | Strong | $1,093Fees | 0.201%Above | 266 | |
19 | HNB National BankBank | Strong | Strong | Strong | Strong | $466Fees | 0.094%Above | 207 | |
20 | Guaranty BankBank | Strong | Strong | Strong | Strong | $826Fees | 0.177%Above | 194 | |
21 | The Central Trust BankBank | Strong | Sound | Strong | Exceptional | $1,140Fees | 0.355%Above | 2,384 | |
22 | GERSHMAN INVESTMENT CORP.Independent Mortgage Company | Strong | Sound | Strong | Exceptional | $1,357Fees | 0.524%Above | 1,424 | |
23 | COMMUNITYAMERICA CREDIT UNIONCredit Union | Strong | Sound | Strong | Exceptional | $1,220Fees | 0.178%Above | 1,333 | |
24 | First State Community BankBank | Strong | Strong | Acceptable | Exceptional | $1,071Fees | 0.031%Above | 592 | |
25 | JLB CORPORATIONIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | $3,694Fees | 0.344%Above | 486 | |
26 | TOGETHER CREDIT UNIONCredit Union | Strong | Strong | Sound | Strong | $813Fees | 0.017%Above | 362 | |
27 | Wells Fargo Bank, National AssociationBank | Strong | Strong | Sound | Strong | $2,162Fees | 0.138%Above | 338 | |
28 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | $1,016Fees | 0.476%Above | 241 | |
29 | UMB Bank, National AssociationBank | Strong | Strong | Sound | Strong | $735Fees | 0.082%Above | 208 | |
30 | Hawthorn BankBank | Strong | Strong | Sound | Strong | $1,073Fees | 0.076%Above | 175 | |
31 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,557Fees | 0.444%Above | 4,984 | |
32 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $2,213Fees | 0.521%Above | 3,817 | |
33 | DAS Acquisition Company, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $2,004Fees | 0.653%Above | 3,012 | |
34 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $2,123Fees | 0.422%Above | 1,909 | |
35 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $2,246Fees | 0.288%Above | 1,293 | |
36 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $1,918Fees | 0.045%Below | 746 | |
37 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Strong | $2,020Fees | 0.580%Above | 707 | |
38 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Strong | $1,720Fees | 0.186%Above | 661 | |
39 | Commerce BankBank | Strong | Sound | Sound | Exceptional | $281Fees | 0.337%Above | 634 | |
40 | DELMAR FINANCIAL COMPANYIndependent Mortgage Company | Strong | Sound | Strong | Strong | $1,237Fees | 0.334%Above | 585 | |
41 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $3,220Fees | 0.374%Above | 453 | |
42 | Regions BankBank | Strong | Sound | Strong | Strong | $1,432Fees | 0.384%Above | 406 | |
43 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | $1,816Fees | 0.314%Above | 252 | |
44 | Cadence BankBank | Strong | Sound | Strong | Strong | $1,304Fees | 0.258%Above | 175 | |
45 | THOMPSON KANE & COMPANY, INCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $1,552Fees | 0.321%Above | 163 | |
46 | First Federal Bank of Kansas CityBank | Strong | Sound | Strong | Strong | $1,423Fees | 0.422%Above | 150 | |
47 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $1,671Fees | 0.488%Above | 2,112 | |
48 | Arvest BankBank | Strong | Acceptable | Strong | Exceptional | $1,475Fees | 0.328%Above | 1,046 | |
49 | LEADERONE FINANCIAL CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $2,744Fees | 0.611%Above | 786 | |
50 | Bell BankBank | Strong | Acceptable | Exceptional | Strong | $1,943Fees | 0.371%Above | 310 |
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.