Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | MidFirst BankBank | Exceptional | Exceptional | Strong | Exceptional | $875Fees | 0.003%Below | 186 | |
2 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Sound | Strong | $722Fees | 0.498%Below | 237 | |
3 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $2,551Fees | 0.172%Above | 769 | |
4 | ASSOCIATED MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $2,389Fees | 0.229%Above | 695 | |
5 | LENDLO MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $3,041Fees | 0.394%Above | 408 | |
6 | MLD MORTGAGE INC.Independent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $2,793Fees | 0.249%Above | 376 | |
7 | Bank of America, National AssociationBank | Strong | Strong | Strong | Strong | $1,666Fees | 0.209%Above | 144 | |
8 | NBKC BANKBank | Strong | Exceptional | Sound | Sound | $689Fees | 0.293%Below | 38 | |
9 | PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company | Strong | Exceptional | Sound | Sound | $1,943Fees | 0.048%Below | 38 | |
10 | Stride Bank, National AssociationBank | Strong | Sound | Strong | Exceptional | $1,198Fees | 0.306%Above | 671 | |
11 | Sovereign BankBank | Strong | Sound | Strong | Exceptional | $1,815Fees | 0.358%Above | 228 | |
12 | CWM PARTNERS, L.P.Independent Mortgage Company | Strong | Sound | Strong | Exceptional | $2,015Fees | 0.268%Above | 217 | |
13 | F&M BankBank | Strong | Sound | Strong | Exceptional | $1,597Fees | 0.158%Above | 195 | |
14 | FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | $2,386Fees | 0.195%Above | 98 | |
15 | Communication Federal Credit UnionCredit Union | Strong | Strong | Sound | Strong | $1,101Fees | 0.350%Above | 84 | |
16 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | $1,726Fees | 0.450%Above | 67 | |
17 | U.S. Bank National AssociationBank | Strong | Strong | Strong | Sound | $1,138Fees | 0.260%Above | 54 | |
18 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,792Fees | 0.352%Above | 1,162 | |
19 | Great Plains National BankBank | Strong | Acceptable | Exceptional | Exceptional | $2,003Fees | 0.454%Above | 582 | |
20 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Strong | $1,656Fees | 0.249%Above | 241 | |
21 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | $2,138Fees | 0.292%Above | 215 | |
22 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $1,709Fees | 0.015%Below | 200 | |
23 | The Central Trust BankBank | Strong | Sound | Strong | Strong | $1,121Fees | 0.342%Above | 183 | |
24 | TINKER FEDERAL CREDIT UNIONCredit Union | Strong | Sound | Sound | Exceptional | $1,516Fees | 0.079%Above | 153 | |
25 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $2,278Fees | 0.167%Above | 151 | |
26 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Strong | $2,446Fees | 0.472%Above | 138 | |
27 | Simmons BankBank | Strong | Sound | Strong | Strong | $2,241Fees | 0.347%Above | 65 | |
28 | AML FUNDING LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $1,863Fees | 0.365%Above | 60 | |
29 | Wells Fargo Bank, National AssociationBank | Strong | Strong | Sound | Sound | $2,111Fees | 0.125%Above | 52 | |
30 | FIRST COLONY MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | $1,687Fees | 0.171%Above | 36 | |
31 | First United Bank and Trust CompanyBank | Strong | Acceptable | Strong | Exceptional | $1,768Fees | 0.512%Above | 1,087 | |
32 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $649Fees | 0.267%Above | 548 | |
33 | Gateway First BankBank | Strong | Acceptable | Strong | Exceptional | $2,603Fees | 0.352%Above | 505 | |
34 | CORNERSTONE CAPITAL BANK, SSBBank | Strong | Acceptable | Strong | Exceptional | $3,765Fees | 0.439%Above | 470 | |
35 | BancFirstBank | Strong | Acceptable | Strong | Exceptional | $1,320Fees | 0.255%Above | 387 | |
36 | Arvest BankBank | Strong | Acceptable | Strong | Exceptional | $1,782Fees | 0.288%Above | 321 | |
37 | FINANCIAL CONCEPTS MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $2,705Fees | 0.405%Above | 311 | |
38 | BOKF, National AssociationBank | Strong | Acceptable | Strong | Exceptional | $1,567Fees | 0.534%Above | 300 | |
39 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,621Fees | 0.219%Above | 170 | |
40 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,562Fees | 0.448%Above | 167 | |
41 | SWBC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $4,085Fees | 0.364%Above | 155 | |
42 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,624Fees | 0.470%Above | 139 | |
43 | USAA Federal Savings BankBank | Strong | Sound | Sound | Strong | $1,280Fees | 0.125%Below | 120 | |
44 | V.I.P. MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $1,999Fees | 0.299%Above | 114 | |
45 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,487Fees | 0.575%Above | 112 | |
46 | AMERIHOME MORTGAGE COMPANY, LLCIndependent Mortgage Company | Strong | Sound | Sound | Strong | $2,871Fees | 0.571%Above | 84 | |
47 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Sound | Strong | $2,273Fees | 0.107%Above | 66 | |
48 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | $2,169Fees | 0.276%Above | 35 | |
49 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,052Fees | 0.350%Above | 115 | |
50 | American Mortgage Bank, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,425Fees | 0.662%Above | 110 |
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.