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 | Exceptional | Exceptional | $281Fees | 0.060%Below | 1,033 | |
2 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $1,693Fees | 0.358%Above | 3,245 | |
3 | NBKC BANKBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $363Fees | 0.078%Below | 500 | |
4 | Midwest BankCentreBank | Exceptional | Exceptional | Strong | Exceptional | Strong | $587Fees | 0.003%Above | 289 | |
5 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $715Fees | 0.217%Above | 1,525 | |
6 | GERSHMAN INVESTMENT CORP.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,357Fees | 0.524%Above | 1,424 | |
7 | First State Bank of St. Charles, MissouriBank | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,437Fees | 0.124%Above | 1,157 | |
8 | Arvest BankBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,475Fees | 0.328%Above | 1,046 | |
9 | COMMUNITY MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,670Fees | 0.128%Above | 728 | |
10 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $520Fees | 0.463%Below | 577 | |
11 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,246Fees | 0.288%Above | 1,293 | |
12 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,918Fees | 0.045%Below | 746 | |
13 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,020Fees | 0.580%Above | 707 | |
14 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,911Fees | 0.352%Above | 579 | |
15 | First BankBank | Exceptional | Strong | Strong | Strong | Exceptional | $1,280Fees | 0.156%Above | 547 | |
16 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,489Fees | 0.411%Above | 525 | |
17 | Great Southern BankBank | Exceptional | Strong | Strong | Strong | Exceptional | $924Fees | 0.094%Above | 461 | |
18 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,816Fees | 0.314%Above | 252 | |
19 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $1,720Fees | 0.186%Above | 661 | |
20 | USAA Federal Savings BankBank | Exceptional | Strong | Exceptional | Sound | Strong | $1,498Fees | 0.115%Below | 327 | |
21 | Carrollton BankBank | Exceptional | Strong | Strong | Strong | Strong | $872Fees | 0.256%Above | 323 | |
22 | Bell BankBank | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,943Fees | 0.371%Above | 310 | |
23 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,016Fees | 0.476%Above | 241 | |
24 | VICTORY MORTGAGE, L.L.C.Independent Mortgage Company | Exceptional | Strong | Strong | Strong | Strong | $658Fees | 0.143%Above | 164 | |
25 | FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $1,466Fees | 0.402%Above | 6,598 | |
26 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,557Fees | 0.444%Above | 4,984 | |
27 | The Central Trust BankBank | Strong | Sound | Strong | Strong | Exceptional | $1,140Fees | 0.355%Above | 2,384 | |
28 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,123Fees | 0.422%Above | 1,909 | |
29 | COMMUNITYAMERICA CREDIT UNIONCredit Union | Strong | Sound | Strong | Strong | Exceptional | $1,220Fees | 0.178%Above | 1,333 | |
30 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $1,745Fees | 0.446%Above | 646 | |
31 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,781Fees | 0.448%Above | 553 | |
32 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,220Fees | 0.374%Above | 453 | |
33 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,388Fees | 0.191%Above | 312 | |
34 | ASSEMBLIES OF GOD Credit UnionCredit Union | Strong | Strong | — | Strong | Strong | $1,093Fees | 0.201%Above | 266 | |
35 | Gateway First BankBank | Strong | Sound | Exceptional | Strong | Strong | $1,581Fees | 0.553%Above | 241 | |
36 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,409Fees | 0.564%Above | 227 | |
37 | Guaranty BankBank | Strong | Strong | — | Strong | Strong | $826Fees | 0.177%Above | 194 | |
38 | Plains Commerce BankBank | Strong | Sound | Exceptional | Strong | Strong | $1,893Fees | 0.449%Above | 189 | |
39 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,213Fees | 0.521%Above | 3,817 | |
40 | DAS Acquisition Company, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,004Fees | 0.653%Above | 3,012 | |
41 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,671Fees | 0.488%Above | 2,112 | |
42 | DELMAR FINANCIAL COMPANYIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $1,237Fees | 0.334%Above | 585 | |
43 | Midwest Mortgage Associates CorporationIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $1,290Fees | 0.345%Above | 440 | |
44 | Wells Fargo Bank, National AssociationBank | Strong | Sound | Exceptional | Sound | Strong | $2,162Fees | 0.138%Above | 338 | |
45 | Flanagan State BankBank | Strong | Sound | Strong | Strong | Strong | $2,671Fees | 0.750%Above | 274 | |
46 | Paramount BankBank | Strong | Sound | Strong | Strong | Strong | $1,557Fees | 0.278%Above | 231 | |
47 | Cadence BankBank | Strong | Sound | Strong | Strong | Strong | $1,304Fees | 0.258%Above | 175 | |
48 | THOMPSON KANE & COMPANY, INCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $1,552Fees | 0.321%Above | 163 | |
49 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,529Fees | 0.481%Above | 518 | |
50 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,889Fees | 0.552%Above | 446 |
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.