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 | VERIDIAN CREDIT UNIONCredit Union | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $123Fees | 0.248%Below | 485 | |
4 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $1,768Fees | 0.218%Above | 661 | |
5 | Union Bank and Trust CompanyBank | Exceptional | Exceptional | Sound | Strong | Exceptional | $1,063Fees | 0.071%Below | 584 | |
6 | GERSHMAN INVESTMENT CORP.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,340Fees | 0.277%Above | 427 | |
7 | Access BankBank | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,457Fees | 0.124%Above | 321 | |
8 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $558Fees | 0.520%Below | 186 | |
9 | NBKC BANKBank | Exceptional | Exceptional | Exceptional | Strong | Sound | $590Fees | 0.247%Below | 59 | |
10 | WEST GATE BANKBank | Exceptional | Strong | Strong | Strong | Exceptional | $1,057Fees | 0.034%Below | 1,396 | |
11 | CHARTER WEST BANKBank | Exceptional | Strong | Strong | Strong | Exceptional | $1,437Fees | 0.313%Above | 1,346 | |
12 | First National Bank of OmahaBank | Exceptional | Strong | Strong | Strong | Exceptional | $1,248Fees | 0.162%Above | 1,207 | |
13 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $916Fees | 0.184%Above | 493 | |
14 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,323Fees | 0.390%Above | 358 | |
15 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,006Fees | 0.215%Above | 297 | |
16 | Core BankBank | Exceptional | Strong | Strong | Strong | Exceptional | $1,074Fees | 0.125%Above | 261 | |
17 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,680Fees | 0.034%Above | 203 | |
18 | Arbor BankBank | Exceptional | Exceptional | Sound | Sound | Exceptional | $874Fees | 0.099%Above | 195 | |
19 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,173Fees | 0.634%Above | 182 | |
20 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,813Fees | 0.385%Above | 411 | |
21 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,776Fees | 0.259%Above | 263 | |
22 | First BankBank | Exceptional | Strong | Strong | Strong | Strong | $1,517Fees | 0.129%Above | 228 | |
23 | USAA Federal Savings BankBank | Exceptional | Strong | Exceptional | Sound | Strong | $1,455Fees | 0.205%Below | 89 | |
24 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,654Fees | 0.497%Above | 1,456 | |
25 | Plains Commerce BankBank | Strong | Sound | Exceptional | Strong | Strong | $1,695Fees | 0.471%Above | 269 | |
26 | LIBERTY FIRST CREDIT UNIONCredit Union | Strong | Sound | Strong | Strong | Exceptional | $1,770Fees | 0.016%Below | 222 | |
27 | Gateway First BankBank | Strong | Sound | Exceptional | Strong | Strong | $1,650Fees | 0.243%Above | 174 | |
28 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,296Fees | 0.115%Above | 170 | |
29 | Security First BankBank | Strong | Strong | — | Strong | Strong | $861Fees | 0.165%Above | 141 | |
30 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,272Fees | 0.444%Above | 109 | |
31 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $1,892Fees | 0.408%Above | 104 | |
32 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,110Fees | 0.343%Above | 100 | |
33 | Cobalt Credit UnionCredit Union | Strong | Exceptional | Sound | Acceptable | Strong | $638Fees | 0.069%Above | 90 | |
34 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $330Fees | 0.389%Above | 718 | |
35 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,154Fees | 0.392%Above | 412 | |
36 | Wells Fargo Bank, National AssociationBank | Strong | Sound | Exceptional | Sound | Strong | $2,048Fees | 0.018%Above | 238 | |
37 | DELMAR FINANCIAL COMPANYIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $1,735Fees | 0.373%Above | 102 | |
38 | LoanUnited.com, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $628Fees | 0.251%Above | 74 | |
39 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $3,374Fees | 0.631%Above | 70 | |
40 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,064Fees | 0.242%Above | 322 | |
41 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,810Fees | 0.562%Above | 245 | |
42 | American National BankBank | Strong | Sound | Sound | Strong | Strong | $1,552Fees | 0.270%Above | 155 | |
43 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,287Fees | 0.436%Above | 112 | |
44 | REGENT FINANCIAL GROUP, INC.Independent Mortgage Company | Strong | Mediocre | Strong | Exceptional | Exceptional | $2,221Fees | 0.282%Above | 260 | |
45 | MORIA DEVELOPMENT, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $2,931Fees | 0.650%Above | 241 | |
46 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $1,993Fees | 0.381%Above | 69 | |
47 | CHURCHILL MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $2,973Fees | 0.508%Above | 325 | |
48 | CASTLE & COOKE MORTGAGE, LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $3,177Fees | 0.384%Above | 138 | |
49 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Sound | $3,140Fees | 0.767%Above | 83 | |
50 | NEW DAY FINANCIAL, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Sound | $3,892Fees | 0.902%Above | 51 |
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.