Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Stifel Bank and TrustBank | Exceptional | Exceptional | Strong | Strong | Exceptional | $281Fees | 0.060%Below | 1,033 | |
2 | Great Southern BankBank | Exceptional | Exceptional | Strong | Strong | Exceptional | $924Fees | 0.094%Above | 461 | |
3 | First State Bank of St. Charles, MissouriBank | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,437Fees | 0.124%Above | 1,157 | |
4 | COMMUNITY MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,670Fees | 0.128%Above | 728 | |
5 | Midwest BankCentreBank | Exceptional | Exceptional | Strong | Strong | Strong | $587Fees | 0.003%Above | 289 | |
6 | VICTORY MORTGAGE, L.L.C.Independent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Strong | $658Fees | 0.143%Above | 164 | |
7 | FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,466Fees | 0.402%Above | 6,598 | |
8 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,693Fees | 0.358%Above | 3,245 | |
9 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Sound | Exceptional | $715Fees | 0.217%Above | 1,525 | |
10 | COMMUNITYAMERICA CREDIT UNIONCredit Union | Exceptional | Strong | Strong | Strong | Exceptional | $1,220Fees | 0.178%Above | 1,333 | |
11 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,020Fees | 0.580%Above | 707 | |
12 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,911Fees | 0.352%Above | 579 | |
13 | First BankBank | Exceptional | Strong | Strong | Strong | Exceptional | $1,280Fees | 0.156%Above | 547 | |
14 | NBKC BANKBank | Exceptional | Exceptional | Strong | Sound | Strong | $363Fees | 0.078%Below | 500 | |
15 | ASSEMBLIES OF GOD Credit UnionCredit Union | Exceptional | Exceptional | Sound | Strong | Strong | $1,093Fees | 0.201%Above | 266 | |
16 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,016Fees | 0.476%Above | 241 | |
17 | UMB Bank, National AssociationBank | Exceptional | Exceptional | Strong | Sound | Strong | $735Fees | 0.082%Above | 208 | |
18 | Cadence BankBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,304Fees | 0.258%Above | 175 | |
19 | The Central Trust BankBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,140Fees | 0.355%Above | 2,384 | |
20 | GERSHMAN INVESTMENT CORP.Independent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,357Fees | 0.524%Above | 1,424 | |
21 | Arvest BankBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,475Fees | 0.328%Above | 1,046 | |
22 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $1,918Fees | 0.045%Below | 746 | |
23 | Carrollton BankBank | Exceptional | Strong | Strong | Strong | Strong | $872Fees | 0.256%Above | 323 | |
24 | Guaranty BankBank | Exceptional | Strong | Strong | Strong | Strong | $826Fees | 0.177%Above | 194 | |
25 | GoodLeap, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $2,790Fees | 0.182%Below | 186 | |
26 | Hawthorn BankBank | Exceptional | Exceptional | Sound | Sound | Strong | $1,073Fees | 0.076%Above | 175 | |
27 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,557Fees | 0.444%Above | 4,984 | |
28 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,123Fees | 0.422%Above | 1,909 | |
29 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,246Fees | 0.288%Above | 1,293 | |
30 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $1,745Fees | 0.446%Above | 646 | |
31 | JLB CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | Strong | $3,694Fees | 0.344%Above | 486 | |
32 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,220Fees | 0.374%Above | 453 | |
33 | Paramount BankBank | Strong | Strong | Strong | Sound | Strong | $1,557Fees | 0.278%Above | 231 | |
34 | Plains Commerce BankBank | Strong | Sound | Exceptional | Strong | Strong | $1,893Fees | 0.449%Above | 189 | |
35 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,213Fees | 0.521%Above | 3,817 | |
36 | Commerce BankBank | Strong | Sound | Strong | Sound | Exceptional | $281Fees | 0.337%Above | 634 | |
37 | DELMAR FINANCIAL COMPANYIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $1,237Fees | 0.334%Above | 585 | |
38 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $1,781Fees | 0.448%Above | 553 | |
39 | Regions BankBank | Strong | Sound | Exceptional | Sound | Strong | $1,432Fees | 0.384%Above | 406 | |
40 | Nations Lending CorporationIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,301Fees | 0.649%Above | 224 | |
41 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,489Fees | 0.411%Above | 525 | |
42 | Bell BankBank | Strong | Acceptable | Exceptional | Strong | Strong | $1,943Fees | 0.371%Above | 310 | |
43 | FAMILY FINANCE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | Strong | $1,707Fees | 0.685%Above | 275 | |
44 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,816Fees | 0.314%Above | 252 | |
45 | Gateway First BankBank | Strong | Acceptable | Exceptional | Strong | Strong | $1,581Fees | 0.553%Above | 241 | |
46 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,409Fees | 0.564%Above | 227 | |
47 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,886Fees | 0.453%Above | 218 | |
48 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,886Fees | 1.174%Above | 184 | |
49 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,675Fees | 0.505%Above | 178 | |
50 | THOMPSON KANE & COMPANY, INCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | Strong | $1,552Fees | 0.321%Above | 163 |
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.