Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Midwest Mortgage Associates CorporationIndependent Mortgage Company | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,290Fees | 0.345%Above | 440 | |
2 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,213Fees | 0.521%Above | 3,817 | |
3 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,693Fees | 0.358%Above | 3,245 | |
4 | GERSHMAN INVESTMENT CORP.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,357Fees | 0.524%Above | 1,424 | |
5 | COMMUNITY MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,670Fees | 0.128%Above | 728 | |
6 | First State Community BankBank | Exceptional | Exceptional | Strong | Sound | Exceptional | $1,071Fees | 0.031%Above | 592 | |
7 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Sound | Exceptional | $715Fees | 0.217%Above | 1,525 | |
8 | First State Bank of St. Charles, MissouriBank | Exceptional | Strong | Strong | Strong | Exceptional | $1,437Fees | 0.124%Above | 1,157 | |
9 | NEWREZ LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,781Fees | 0.448%Above | 553 | |
10 | FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,466Fees | 0.402%Above | 6,598 | |
11 | The Central Trust BankBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,140Fees | 0.355%Above | 2,384 | |
12 | Great Southern BankBank | Exceptional | Strong | Strong | Sound | Exceptional | $924Fees | 0.094%Above | 461 | |
13 | Oakstar BankBank | Strong | Strong | — | Strong | Strong | $899Fees | 0.205%Above | 401 | |
14 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,409Fees | 0.564%Above | 227 | |
15 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,246Fees | 0.288%Above | 1,293 | |
16 | Arvest BankBank | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,475Fees | 0.328%Above | 1,046 | |
17 | LEADERONE FINANCIAL CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,744Fees | 0.611%Above | 786 | |
18 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Sound | Strong | $1,745Fees | 0.446%Above | 646 | |
19 | GENEVA FINANCIAL, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,925Fees | 0.660%Above | 443 | |
20 | Hawthorn BankBank | Strong | Strong | — | Sound | Strong | $1,073Fees | 0.076%Above | 175 | |
21 | THOMPSON KANE & COMPANY, INCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $1,552Fees | 0.321%Above | 163 | |
22 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Exceptional | $1,671Fees | 0.488%Above | 2,112 | |
23 | Southern BankBank | Strong | Sound | Strong | Sound | Strong | $568Fees | 0.363%Above | 297 | |
24 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,816Fees | 0.314%Above | 252 | |
25 | Gateway First BankBank | Strong | Acceptable | Exceptional | Strong | Strong | $1,581Fees | 0.553%Above | 241 | |
26 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,886Fees | 1.174%Above | 184 | |
27 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,675Fees | 0.505%Above | 178 | |
28 | DAS Acquisition Company, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $2,004Fees | 0.653%Above | 3,012 | |
29 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $2,106Fees | 0.634%Above | 1,932 | |
30 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $2,123Fees | 0.422%Above | 1,909 | |
31 | Regions BankBank | Strong | Acceptable | Exceptional | Sound | Strong | $1,432Fees | 0.384%Above | 406 | |
32 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $1,872Fees | 0.508%Above | 474 | |
33 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $2,889Fees | 0.552%Above | 446 | |
34 | Flanagan State BankBank | Strong | Mediocre | Exceptional | Strong | Strong | $2,671Fees | 0.750%Above | 274 | |
35 | FIRST INTEGRITY MORTGAGE SERVICES, INC.Independent Mortgage Company | Strong | Acceptable | — | Strong | Strong | $1,791Fees | 0.551%Above | 165 | |
36 | Click n' Close, Inc.Independent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $5,629Fees | 1.729%Above | 359 | |
37 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $2,493Fees | 0.491%Above | 153 | |
38 | DELMAR FINANCIAL COMPANYIndependent Mortgage Company | Sound | Acceptable | Sound | Acceptable | Strong | $1,237Fees | 0.334%Above | 585 |
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.