Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $715Fees | 0.217%Above | 1,525 | |
2 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $520Fees | 0.463%Below | 577 | |
3 | VICTORY MORTGAGE, L.L.C.Independent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Strong | $658Fees | 0.143%Above | 164 | |
4 | FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,466Fees | 0.402%Above | 6,598 | |
5 | First State Bank of St. Charles, MissouriBank | Exceptional | Strong | Strong | Strong | Exceptional | $1,437Fees | 0.124%Above | 1,157 | |
6 | Stifel Bank and TrustBank | Exceptional | Strong | Strong | Strong | Exceptional | $281Fees | 0.060%Below | 1,033 | |
7 | COMMUNITY MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Strong | Strong | Exceptional | $1,670Fees | 0.128%Above | 728 | |
8 | First BankBank | Exceptional | Strong | Strong | Strong | Exceptional | $1,280Fees | 0.156%Above | 547 | |
9 | NBKC BANKBank | Exceptional | Exceptional | Strong | Sound | Strong | $363Fees | 0.078%Below | 500 | |
10 | Bank of America, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,489Fees | 0.027%Below | 472 | |
11 | Great Southern BankBank | Exceptional | Strong | Strong | Strong | Exceptional | $924Fees | 0.094%Above | 461 | |
12 | Truist BankBank | Exceptional | Strong | Exceptional | Strong | Strong | $482Fees | 0.229%Above | 273 | |
13 | HNB National BankBank | Exceptional | Strong | Strong | Exceptional | Strong | $466Fees | 0.094%Above | 207 | |
14 | MISSOURI Credit UnionCredit Union | Exceptional | Exceptional | Strong | Sound | Strong | $646Fees | 0.032%Above | 188 | |
15 | The Central Trust BankBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,140Fees | 0.355%Above | 2,384 | |
16 | GERSHMAN INVESTMENT CORP.Independent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,357Fees | 0.524%Above | 1,424 | |
17 | COMMUNITYAMERICA CREDIT UNIONCredit Union | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,220Fees | 0.178%Above | 1,333 | |
18 | First State Community BankBank | Exceptional | Strong | Strong | Sound | Exceptional | $1,071Fees | 0.031%Above | 592 | |
19 | Oakstar BankBank | Exceptional | Strong | Strong | Strong | Strong | $899Fees | 0.205%Above | 401 | |
20 | Wells Fargo Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $2,162Fees | 0.138%Above | 338 | |
21 | Carrollton BankBank | Exceptional | Strong | Strong | Strong | Strong | $872Fees | 0.256%Above | 323 | |
22 | Midwest BankCentreBank | Exceptional | Exceptional | Sound | Sound | Strong | $587Fees | 0.003%Above | 289 | |
23 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,557Fees | 0.444%Above | 4,984 | |
24 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $1,693Fees | 0.358%Above | 3,245 | |
25 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $1,720Fees | 0.186%Above | 661 | |
26 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,220Fees | 0.374%Above | 453 | |
27 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Strong | Strong | Sound | Strong | $1,388Fees | 0.191%Above | 312 | |
28 | ASSEMBLIES OF GOD Credit UnionCredit Union | Strong | Sound | Strong | Exceptional | Strong | $1,093Fees | 0.201%Above | 266 | |
29 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,016Fees | 0.476%Above | 241 | |
30 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,409Fees | 0.564%Above | 227 | |
31 | Guaranty BankBank | Strong | Strong | Sound | Strong | Strong | $826Fees | 0.177%Above | 194 | |
32 | Cadence BankBank | Strong | Sound | Exceptional | Strong | Strong | $1,304Fees | 0.258%Above | 175 | |
33 | THOMPSON KANE & COMPANY, INCIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | Strong | $1,552Fees | 0.321%Above | 163 | |
34 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,213Fees | 0.521%Above | 3,817 | |
35 | DAS Acquisition Company, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,004Fees | 0.653%Above | 3,012 | |
36 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,123Fees | 0.422%Above | 1,909 | |
37 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,246Fees | 0.288%Above | 1,293 | |
38 | Arvest BankBank | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,475Fees | 0.328%Above | 1,046 | |
39 | LEADERONE FINANCIAL CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,744Fees | 0.611%Above | 786 | |
40 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $1,918Fees | 0.045%Below | 746 | |
41 | Commerce BankBank | Strong | Sound | Strong | Sound | Exceptional | $281Fees | 0.337%Above | 634 | |
42 | DELMAR FINANCIAL COMPANYIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $1,237Fees | 0.334%Above | 585 | |
43 | Southern BankBank | Strong | Sound | Strong | Strong | Strong | $568Fees | 0.363%Above | 297 | |
44 | The Bank of MissouriBank | Strong | Sound | Strong | Strong | Strong | $935Fees | 0.183%Above | 263 | |
45 | Nations Lending CorporationIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,301Fees | 0.649%Above | 224 | |
46 | Flagstar Bank, N.A.Bank | Strong | Acceptable | Exceptional | Strong | Strong | $1,745Fees | 0.446%Above | 646 | |
47 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,911Fees | 0.352%Above | 579 | |
48 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,529Fees | 0.481%Above | 518 | |
49 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,889Fees | 0.552%Above | 446 | |
50 | Regions BankBank | Strong | Acceptable | Exceptional | Strong | Strong | $1,432Fees | 0.384%Above | 406 |
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.