Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | WEST GATE BANKBank | Exceptional | Exceptional | Exceptional | Exceptional | Exceptional | $1,057Fees | 0.034%Below | 1,396 | |
2 | VERIDIAN CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Exceptional | Exceptional | $123Fees | 0.248%Below | 485 | |
3 | Union Bank and Trust CompanyBank | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,063Fees | 0.071%Below | 584 | |
4 | IOWA BANKERS MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Exceptional | Exceptional | Exceptional | Sound | $1,123Fees | 0.080%Below | 48 | |
5 | First National Bank of OmahaBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,248Fees | 0.162%Above | 1,207 | |
6 | Lincoln FSB of NebraskaBank | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,199Fees | 0.021%Below | 655 | |
7 | Arbor BankBank | Exceptional | Exceptional | Sound | Strong | Exceptional | $874Fees | 0.099%Above | 195 | |
8 | CORNHUSKER BANKBank | Exceptional | Exceptional | Sound | Strong | Exceptional | $547Fees | 0.086%Above | 186 | |
9 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $558Fees | 0.520%Below | 186 | |
10 | Northwest BankBank | Exceptional | Exceptional | Strong | Strong | Strong | $586Fees | 0.085%Below | 91 | |
11 | Exchange BankBank | Exceptional | Exceptional | Strong | Strong | Strong | $822Fees | 0.025%Above | 73 | |
12 | Pinnacle BankBank | Exceptional | Strong | Strong | Strong | Exceptional | $1,193Fees | 0.005%Below | 1,087 | |
13 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $916Fees | 0.184%Above | 493 | |
14 | Central National BankBank | Exceptional | Exceptional | Sound | Strong | Strong | $565Fees | 0.263%Above | 44 | |
15 | GERSHMAN INVESTMENT CORP.Independent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,340Fees | 0.277%Above | 427 | |
16 | Access BankBank | Exceptional | Strong | Sound | Strong | Exceptional | $1,457Fees | 0.124%Above | 321 | |
17 | Core BankBank | Exceptional | Strong | Sound | Strong | Exceptional | $1,074Fees | 0.125%Above | 261 | |
18 | Wells Fargo Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $2,048Fees | 0.018%Above | 238 | |
19 | First BankBank | Exceptional | Strong | Strong | Strong | Strong | $1,517Fees | 0.129%Above | 228 | |
20 | FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,090Fees | 0.078%Above | 80 | |
21 | NBKC BANKBank | Exceptional | Exceptional | Strong | Sound | Sound | $590Fees | 0.247%Below | 59 | |
22 | Central BankBank | Exceptional | Strong | Strong | Exceptional | Sound | $3,299Fees | 0.017%Above | 43 | |
23 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,654Fees | 0.497%Above | 1,456 | |
24 | CHARTER WEST BANKBank | Strong | Sound | Strong | Strong | Exceptional | $1,437Fees | 0.313%Above | 1,346 | |
25 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $1,768Fees | 0.218%Above | 661 | |
26 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,776Fees | 0.259%Above | 263 | |
27 | CENTRISCredit Union | Strong | Strong | Sound | Sound | Exceptional | $1,085Fees | 0.146%Above | 208 | |
28 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Strong | Strong | Sound | Strong | $1,296Fees | 0.115%Above | 170 | |
29 | Frontier BankBank | Strong | Strong | Sound | Strong | Strong | $801Fees | 0.319%Above | 167 | |
30 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,272Fees | 0.444%Above | 109 | |
31 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $1,950Fees | 0.257%Above | 98 | |
32 | Citizens Bank, National AssociationBank | Strong | Strong | Exceptional | Sound | Sound | $1,321Fees | 0.133%Above | 59 | |
33 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $1,680Fees | 0.034%Above | 203 | |
34 | Security First BankBank | Strong | Strong | Sound | Sound | Strong | $861Fees | 0.165%Above | 141 | |
35 | DELMAR FINANCIAL COMPANYIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $1,735Fees | 0.373%Above | 102 | |
36 | BMO Bank National AssociationBank | Strong | Strong | Strong | Sound | Sound | $950Fees | 0.375%Above | 57 | |
37 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,154Fees | 0.392%Above | 412 | |
38 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,813Fees | 0.385%Above | 411 | |
39 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,323Fees | 0.390%Above | 358 | |
40 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,064Fees | 0.242%Above | 322 | |
41 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,006Fees | 0.215%Above | 297 | |
42 | Plains Commerce BankBank | Strong | Acceptable | Exceptional | Strong | Strong | $1,695Fees | 0.471%Above | 269 | |
43 | REGENT FINANCIAL GROUP, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $2,221Fees | 0.282%Above | 260 | |
44 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,810Fees | 0.562%Above | 245 | |
45 | LIBERTY FIRST CREDIT UNIONCredit Union | Strong | Sound | Sound | Sound | Exceptional | $1,770Fees | 0.016%Below | 222 | |
46 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $2,173Fees | 0.634%Above | 182 | |
47 | Gateway First BankBank | Strong | Acceptable | Exceptional | Strong | Strong | $1,650Fees | 0.243%Above | 174 | |
48 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,287Fees | 0.436%Above | 112 | |
49 | Flagstar Bank, N.A.Bank | Strong | Acceptable | Exceptional | Strong | Strong | $1,892Fees | 0.408%Above | 104 | |
50 | Home Federal Savings and Loan Association of Grand IslandBank | Strong | Sound | Sound | Strong | Strong | $1,023Fees | 0.252%Above | 102 |
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.