Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $722Fees | 0.498%Below | 237 | |
2 | MidFirst BankBank | Exceptional | Exceptional | Sound | Sound | Exceptional | $875Fees | 0.003%Below | 186 | |
3 | Bank of America, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,666Fees | 0.209%Above | 144 | |
4 | PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company | Exceptional | Exceptional | Exceptional | Sound | Sound | $1,943Fees | 0.048%Below | 38 | |
5 | ASSOCIATED MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,389Fees | 0.229%Above | 695 | |
6 | BOKF, National AssociationBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,567Fees | 0.534%Above | 300 | |
7 | FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,386Fees | 0.195%Above | 98 | |
8 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Sound | $1,138Fees | 0.260%Above | 54 | |
9 | NBKC BANKBank | Exceptional | Exceptional | Strong | Sound | Sound | $689Fees | 0.293%Below | 38 | |
10 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,792Fees | 0.352%Above | 1,162 | |
11 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,551Fees | 0.172%Above | 769 | |
12 | Stride Bank, National AssociationBank | Strong | Sound | Strong | Strong | Exceptional | $1,198Fees | 0.306%Above | 671 | |
13 | MLD MORTGAGE INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $2,793Fees | 0.249%Above | 376 | |
14 | FINANCIAL CONCEPTS MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Sound | Exceptional | Exceptional | $2,705Fees | 0.405%Above | 311 | |
15 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $1,656Fees | 0.249%Above | 241 | |
16 | The Central Trust BankBank | Strong | Sound | Exceptional | Strong | Strong | $1,121Fees | 0.342%Above | 183 | |
17 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,278Fees | 0.167%Above | 151 | |
18 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,726Fees | 0.450%Above | 67 | |
19 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Strong | Strong | Sound | Strong | $2,273Fees | 0.107%Above | 66 | |
20 | Wells Fargo Bank, National AssociationBank | Strong | Strong | Exceptional | Sound | Sound | $2,111Fees | 0.125%Above | 52 | |
21 | First United Bank and Trust CompanyBank | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,768Fees | 0.512%Above | 1,087 | |
22 | Great Plains National BankBank | Strong | Acceptable | Strong | Exceptional | Exceptional | $2,003Fees | 0.454%Above | 582 | |
23 | Gateway First BankBank | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,603Fees | 0.352%Above | 505 | |
24 | Arvest BankBank | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,782Fees | 0.288%Above | 321 | |
25 | Sovereign BankBank | Strong | Sound | Sound | Strong | Exceptional | $1,815Fees | 0.358%Above | 228 | |
26 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $1,709Fees | 0.015%Below | 200 | |
27 | V.I.P. MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,999Fees | 0.299%Above | 114 | |
28 | AMERIHOME MORTGAGE COMPANY, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $2,871Fees | 0.571%Above | 84 | |
29 | Communication Federal Credit UnionCredit Union | Strong | Strong | Sound | Sound | Strong | $1,101Fees | 0.350%Above | 84 | |
30 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,424Fees | 0.508%Above | 49 | |
31 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,169Fees | 0.276%Above | 35 | |
32 | BancFirstBank | Strong | Acceptable | Strong | Strong | Exceptional | $1,320Fees | 0.255%Above | 387 | |
33 | CWM PARTNERS, L.P.Independent Mortgage Company | Strong | Sound | Sound | Sound | Exceptional | $2,015Fees | 0.268%Above | 217 | |
34 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,138Fees | 0.292%Above | 215 | |
35 | F&M BankBank | Strong | Sound | Sound | Sound | Exceptional | $1,597Fees | 0.158%Above | 195 | |
36 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,621Fees | 0.219%Above | 170 | |
37 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,562Fees | 0.448%Above | 167 | |
38 | SWBC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,085Fees | 0.364%Above | 155 | |
39 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,624Fees | 0.470%Above | 139 | |
40 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $2,446Fees | 0.472%Above | 138 | |
41 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,052Fees | 0.350%Above | 115 | |
42 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,487Fees | 0.575%Above | 112 | |
43 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,800Fees | 0.633%Above | 108 | |
44 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,527Fees | 0.427%Above | 81 | |
45 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,765Fees | 0.613%Above | 80 | |
46 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Exceptional | $649Fees | 0.267%Above | 548 | |
47 | LENDLO MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Exceptional | $3,041Fees | 0.394%Above | 408 | |
48 | NEWREZ LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $1,973Fees | 0.542%Above | 153 | |
49 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $3,145Fees | 0.673%Above | 109 | |
50 | THE MORTGAGE LINK, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $2,498Fees | 0.598%Above | 66 |
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.