Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Pinnacle BankBank | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $1,193Fees | 0.005%Below | 1,087 | |
2 | Lincoln FSB of NebraskaBank | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $1,199Fees | 0.021%Below | 655 | |
3 | Union Bank and Trust CompanyBank | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,063Fees | 0.071%Below | 584 | |
4 | Core BankBank | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,074Fees | 0.125%Above | 261 | |
5 | CHARTER WEST BANKBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,437Fees | 0.313%Above | 1,346 | |
6 | Access BankBank | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,457Fees | 0.124%Above | 321 | |
7 | LIBERTY FIRST CREDIT UNIONCredit Union | Exceptional | Exceptional | Strong | Sound | Exceptional | $1,770Fees | 0.016%Below | 222 | |
8 | WEST GATE BANKBank | Exceptional | Exceptional | Sound | Sound | Exceptional | $1,057Fees | 0.034%Below | 1,396 | |
9 | First National Bank of OmahaBank | Exceptional | Strong | Strong | Strong | Exceptional | $1,248Fees | 0.162%Above | 1,207 | |
10 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,768Fees | 0.218%Above | 661 | |
11 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,006Fees | 0.215%Above | 297 | |
12 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,776Fees | 0.259%Above | 263 | |
13 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,173Fees | 0.634%Above | 182 | |
14 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $916Fees | 0.184%Above | 493 | |
15 | GERSHMAN INVESTMENT CORP.Independent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,340Fees | 0.277%Above | 427 | |
16 | First BankBank | Exceptional | Strong | Strong | Strong | Strong | $1,517Fees | 0.129%Above | 228 | |
17 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $1,680Fees | 0.034%Above | 203 | |
18 | Arbor BankBank | Exceptional | Strong | Sound | Strong | Exceptional | $874Fees | 0.099%Above | 195 | |
19 | FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,090Fees | 0.078%Above | 80 | |
20 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,654Fees | 0.497%Above | 1,456 | |
21 | Plains Commerce BankBank | Strong | Sound | Exceptional | Strong | Strong | $1,695Fees | 0.471%Above | 269 | |
22 | Dayspring BankBank | Strong | Strong | — | Strong | Strong | $1,378Fees | 0.096%Above | 125 | |
23 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,272Fees | 0.444%Above | 109 | |
24 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $1,892Fees | 0.408%Above | 104 | |
25 | Cobalt Credit UnionCredit Union | Strong | Exceptional | — | Acceptable | Strong | $638Fees | 0.069%Above | 90 | |
26 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,154Fees | 0.392%Above | 412 | |
27 | REGENT FINANCIAL GROUP, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Exceptional | Exceptional | $2,221Fees | 0.282%Above | 260 | |
28 | MORIA DEVELOPMENT, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,931Fees | 0.650%Above | 241 | |
29 | DELMAR FINANCIAL COMPANYIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $1,735Fees | 0.373%Above | 102 | |
30 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $2,110Fees | 0.343%Above | 100 | |
31 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Exceptional | $330Fees | 0.389%Above | 718 | |
32 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,813Fees | 0.385%Above | 411 | |
33 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,323Fees | 0.390%Above | 358 | |
34 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,064Fees | 0.242%Above | 322 | |
35 | Wells Fargo Bank, National AssociationBank | Strong | Sound | Strong | Sound | Strong | $2,048Fees | 0.018%Above | 238 | |
36 | Gateway First BankBank | Strong | Acceptable | Exceptional | Strong | Strong | $1,650Fees | 0.243%Above | 174 | |
37 | American National BankBank | Strong | Sound | Sound | Strong | Strong | $1,552Fees | 0.270%Above | 155 | |
38 | DUNDEE BANKBank | Strong | Sound | Sound | Strong | Strong | $2,758Fees | 0.206%Above | 126 | |
39 | LoanUnited.com, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $628Fees | 0.251%Above | 74 | |
40 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $1,993Fees | 0.381%Above | 69 | |
41 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $1,296Fees | 0.115%Above | 170 | |
42 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,374Fees | 0.631%Above | 70 | |
43 | CHURCHILL MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $2,973Fees | 0.508%Above | 325 | |
44 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $2,810Fees | 0.562%Above | 245 | |
45 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,287Fees | 0.436%Above | 112 | |
46 | Adams Bank & TrustBank | Strong | Sound | — | Acceptable | Strong | $1,438Fees | 0.223%Above | 93 | |
47 | The Federal Savings BankBank | Strong | Acceptable | Exceptional | Sound | Sound | $3,777Fees | 0.677%Above | 44 | |
48 | CASTLE & COOKE MORTGAGE, LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $3,177Fees | 0.384%Above | 138 | |
49 | Luminate Home Loans, Inc.Independent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $2,490Fees | 0.727%Above | 46 | |
50 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Sound | $3,140Fees | 0.767%Above | 83 |
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.