Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,551Fees | 0.172%Above | 769 | |
2 | ASSOCIATED MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,389Fees | 0.229%Above | 695 | |
3 | LENDLO MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,041Fees | 0.394%Above | 408 | |
4 | CWM PARTNERS, L.P.Independent Mortgage Company | Exceptional | Strong | Strong | Strong | Exceptional | $2,015Fees | 0.268%Above | 217 | |
5 | F&M BankBank | Exceptional | Strong | Strong | Strong | Exceptional | $1,597Fees | 0.158%Above | 195 | |
6 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,446Fees | 0.472%Above | 138 | |
7 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,726Fees | 0.450%Above | 67 | |
8 | First United Bank and Trust CompanyBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,768Fees | 0.512%Above | 1,087 | |
9 | Stride Bank, National AssociationBank | Exceptional | Sound | Strong | Exceptional | Exceptional | $1,198Fees | 0.306%Above | 671 | |
10 | Great Plains National BankBank | Exceptional | Sound | Strong | Exceptional | Exceptional | $2,003Fees | 0.454%Above | 582 | |
11 | MLD MORTGAGE INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,793Fees | 0.249%Above | 376 | |
12 | Arvest BankBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,782Fees | 0.288%Above | 321 | |
13 | Sovereign BankBank | Exceptional | Sound | Strong | Exceptional | Exceptional | $1,815Fees | 0.358%Above | 228 | |
14 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $1,709Fees | 0.015%Below | 200 | |
15 | SWBC MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $4,085Fees | 0.364%Above | 155 | |
16 | FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,386Fees | 0.195%Above | 98 | |
17 | Simmons BankBank | Exceptional | Strong | Strong | Strong | Strong | $2,241Fees | 0.347%Above | 65 | |
18 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,792Fees | 0.352%Above | 1,162 | |
19 | CORNERSTONE CAPITAL BANK, SSBBank | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,765Fees | 0.439%Above | 470 | |
20 | BancFirstBank | Strong | Sound | Strong | Strong | Exceptional | $1,320Fees | 0.255%Above | 387 | |
21 | MidFirst BankBank | Strong | Strong | Sound | Sound | Exceptional | $875Fees | 0.003%Below | 186 | |
22 | The Central Trust BankBank | Strong | Sound | Exceptional | Strong | Strong | $1,121Fees | 0.342%Above | 183 | |
23 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,278Fees | 0.167%Above | 151 | |
24 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,527Fees | 0.427%Above | 81 | |
25 | Chickasaw Community BankBank | Strong | Strong | Strong | Sound | Strong | $3,362Fees | 0.092%Below | 68 | |
26 | TOWNE MORTGAGE COMPANYIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | Sound | $3,001Fees | 0.297%Above | 59 | |
27 | GoodLeap, LLCIndependent Mortgage Company | Strong | Strong | Exceptional | Sound | Sound | $3,762Fees | 0.092%Below | 55 | |
28 | U.S. Bank National AssociationBank | Strong | Strong | Exceptional | Sound | Sound | $1,138Fees | 0.260%Above | 54 | |
29 | Gateway First BankBank | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,603Fees | 0.352%Above | 505 | |
30 | FINANCIAL CONCEPTS MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | Exceptional | $2,705Fees | 0.405%Above | 311 | |
31 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,562Fees | 0.448%Above | 167 | |
32 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $1,973Fees | 0.542%Above | 153 | |
33 | V.I.P. MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,999Fees | 0.299%Above | 114 | |
34 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,487Fees | 0.575%Above | 112 | |
35 | AML FUNDING LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $1,863Fees | 0.365%Above | 60 | |
36 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Sound | $1,882Fees | 0.384%Above | 56 | |
37 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Exceptional | $649Fees | 0.267%Above | 548 | |
38 | BOKF, National AssociationBank | Strong | Acceptable | Strong | Strong | Exceptional | $1,567Fees | 0.534%Above | 300 | |
39 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Sound | Strong | $1,656Fees | 0.249%Above | 241 | |
40 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,138Fees | 0.292%Above | 215 | |
41 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,621Fees | 0.219%Above | 170 | |
42 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,624Fees | 0.470%Above | 139 | |
43 | AMERIHOME MORTGAGE COMPANY, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $2,871Fees | 0.571%Above | 84 | |
44 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,765Fees | 0.613%Above | 80 | |
45 | MORTGAGE SOLUTIONS OF COLORADO, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,851Fees | 0.569%Above | 68 | |
46 | THE MORTGAGE LINK, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,498Fees | 0.598%Above | 66 | |
47 | AMERICAN PORTFOLIO MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,280Fees | 0.728%Above | 62 | |
48 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $2,259Fees | 0.384%Above | 38 | |
49 | American Mortgage Bank, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $2,425Fees | 0.662%Above | 110 | |
50 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $2,273Fees | 0.107%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.