Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | WEST GATE BANKBank | Exceptional | Exceptional | Exceptional | Exceptional | $1,057Fees | 0.034%Below | 1,396 | |
2 | Lincoln FSB of NebraskaBank | Exceptional | Exceptional | Exceptional | Exceptional | $1,199Fees | 0.021%Below | 655 | |
3 | VERIDIAN CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Exceptional | $123Fees | 0.248%Below | 485 | |
4 | Pinnacle BankBank | Exceptional | Exceptional | Strong | Exceptional | $1,193Fees | 0.005%Below | 1,087 | |
5 | Union Bank and Trust CompanyBank | Exceptional | Exceptional | Strong | Exceptional | $1,063Fees | 0.071%Below | 584 | |
6 | Arbor BankBank | Exceptional | Exceptional | Strong | Exceptional | $874Fees | 0.099%Above | 195 | |
7 | CORNHUSKER BANKBank | Exceptional | Exceptional | Strong | Exceptional | $547Fees | 0.086%Above | 186 | |
8 | Exchange BankBank | Exceptional | Exceptional | Exceptional | Strong | $822Fees | 0.025%Above | 73 | |
9 | IOWA BANKERS MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Exceptional | Exceptional | Sound | $1,123Fees | 0.080%Below | 48 | |
10 | First National Bank of OmahaBank | Exceptional | Strong | Strong | Exceptional | $1,248Fees | 0.162%Above | 1,207 | |
11 | Access BankBank | Exceptional | Strong | Strong | Exceptional | $1,457Fees | 0.124%Above | 321 | |
12 | Core BankBank | Exceptional | Strong | Strong | Exceptional | $1,074Fees | 0.125%Above | 261 | |
13 | CENTRISCredit Union | Exceptional | Strong | Strong | Exceptional | $1,085Fees | 0.146%Above | 208 | |
14 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Sound | Strong | $558Fees | 0.520%Below | 186 | |
15 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $1,768Fees | 0.218%Above | 661 | |
16 | U.S. Bank National AssociationBank | Strong | Strong | Strong | Strong | $916Fees | 0.184%Above | 493 | |
17 | First BankBank | Strong | Strong | Strong | Strong | $1,517Fees | 0.129%Above | 228 | |
18 | Security First BankBank | Strong | Strong | Strong | Strong | $861Fees | 0.165%Above | 141 | |
19 | Dayspring BankBank | Strong | Strong | Strong | Strong | $1,378Fees | 0.096%Above | 125 | |
20 | Northwest BankBank | Strong | Strong | Strong | Strong | $586Fees | 0.085%Below | 91 | |
21 | Cobalt Credit UnionCredit Union | Strong | Exceptional | Acceptable | Strong | $638Fees | 0.069%Above | 90 | |
22 | NBKC BANKBank | Strong | Exceptional | Sound | Sound | $590Fees | 0.247%Below | 59 | |
23 | Central BankBank | Strong | Strong | Exceptional | Sound | $3,299Fees | 0.017%Above | 43 | |
24 | CHARTER WEST BANKBank | Strong | Sound | Strong | Exceptional | $1,437Fees | 0.313%Above | 1,346 | |
25 | GERSHMAN INVESTMENT CORP.Independent Mortgage Company | Strong | Sound | Strong | Exceptional | $1,340Fees | 0.277%Above | 427 | |
26 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | $2,776Fees | 0.259%Above | 263 | |
27 | Wells Fargo Bank, National AssociationBank | Strong | Strong | Sound | Strong | $2,048Fees | 0.018%Above | 238 | |
28 | LIBERTY FIRST CREDIT UNIONCredit Union | Strong | Sound | Strong | Exceptional | $1,770Fees | 0.016%Below | 222 | |
29 | FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | $1,090Fees | 0.078%Above | 80 | |
30 | Citizens Bank, National AssociationBank | Strong | Strong | Strong | Sound | $1,321Fees | 0.133%Above | 59 | |
31 | Central National BankBank | Strong | Strong | Sound | Strong | $565Fees | 0.263%Above | 44 | |
32 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,654Fees | 0.497%Above | 1,456 | |
33 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | $2,323Fees | 0.390%Above | 358 | |
34 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $1,680Fees | 0.034%Above | 203 | |
35 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Strong | $2,173Fees | 0.634%Above | 182 | |
36 | Frontier BankBank | Strong | Sound | Strong | Strong | $801Fees | 0.319%Above | 167 | |
37 | American National BankBank | Strong | Sound | Strong | Strong | $1,552Fees | 0.270%Above | 155 | |
38 | DUNDEE BANKBank | Strong | Sound | Strong | Strong | $2,758Fees | 0.206%Above | 126 | |
39 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $3,272Fees | 0.444%Above | 109 | |
40 | DELMAR FINANCIAL COMPANYIndependent Mortgage Company | Strong | Sound | Strong | Strong | $1,735Fees | 0.373%Above | 102 | |
41 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Strong | $1,950Fees | 0.257%Above | 98 | |
42 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $330Fees | 0.389%Above | 718 | |
43 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,154Fees | 0.392%Above | 412 | |
44 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $1,813Fees | 0.385%Above | 411 | |
45 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,064Fees | 0.242%Above | 322 | |
46 | REGENT FINANCIAL GROUP, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $2,221Fees | 0.282%Above | 260 | |
47 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Sound | Strong | $1,296Fees | 0.115%Above | 170 | |
48 | Home Federal Savings and Loan Association of Grand IslandBank | Strong | Sound | Sound | Strong | $1,023Fees | 0.252%Above | 102 | |
49 | USAA Federal Savings BankBank | Strong | Sound | Sound | Strong | $1,455Fees | 0.205%Below | 89 | |
50 | LoanUnited.com, LLCIndependent Mortgage Company | Strong | Sound | Sound | Strong | $628Fees | 0.251%Above | 74 |
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.