Safe Rate Rankings
Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | LENDLO MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Exceptional | Exceptional | Exceptional | Exceptional | $3,041Fees | 0.394%Above | 408 | |
2 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,551Fees | 0.172%Above | 769 | |
3 | CORNERSTONE CAPITAL BANK, SSBBank | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $3,765Fees | 0.439%Above | 470 | |
4 | Great Plains National BankBank | Exceptional | Strong | Strong | Exceptional | Exceptional | $2,003Fees | 0.454%Above | 582 | |
5 | Arvest BankBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,782Fees | 0.288%Above | 321 | |
6 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $722Fees | 0.498%Below | 237 | |
7 | NBKC BANKBank | Exceptional | Exceptional | Exceptional | Strong | Sound | $689Fees | 0.293%Below | 38 | |
8 | MLD MORTGAGE INC.Independent Mortgage Company | Exceptional | Strong | Strong | Strong | Exceptional | $2,793Fees | 0.249%Above | 376 | |
9 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,138Fees | 0.292%Above | 215 | |
10 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,709Fees | 0.015%Below | 200 | |
11 | F&M BankBank | Exceptional | Strong | Strong | Strong | Exceptional | $1,597Fees | 0.158%Above | 195 | |
12 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,446Fees | 0.472%Above | 138 | |
13 | First United Bank and Trust CompanyBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,768Fees | 0.512%Above | 1,087 | |
14 | ASSOCIATED MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,389Fees | 0.229%Above | 695 | |
15 | Stride Bank, National AssociationBank | Exceptional | Sound | Strong | Exceptional | Exceptional | $1,198Fees | 0.306%Above | 671 | |
16 | Gateway First BankBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,603Fees | 0.352%Above | 505 | |
17 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $1,656Fees | 0.249%Above | 241 | |
18 | Sovereign BankBank | Exceptional | Sound | Strong | Exceptional | Exceptional | $1,815Fees | 0.358%Above | 228 | |
19 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,621Fees | 0.219%Above | 170 | |
20 | SWBC MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $4,085Fees | 0.364%Above | 155 | |
21 | USAA Federal Savings BankBank | Exceptional | Strong | Exceptional | Sound | Strong | $1,280Fees | 0.125%Below | 120 | |
22 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,726Fees | 0.450%Above | 67 | |
23 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Sound | $1,138Fees | 0.260%Above | 54 | |
24 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,792Fees | 0.352%Above | 1,162 | |
25 | CWM PARTNERS, L.P.Independent Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $2,015Fees | 0.268%Above | 217 | |
26 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,973Fees | 0.542%Above | 153 | |
27 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,278Fees | 0.167%Above | 151 | |
28 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,765Fees | 0.613%Above | 80 | |
29 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,273Fees | 0.107%Above | 66 | |
30 | TOWNE MORTGAGE COMPANYIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | Sound | $3,001Fees | 0.297%Above | 59 | |
31 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | Sound | $2,259Fees | 0.384%Above | 38 | |
32 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $649Fees | 0.267%Above | 548 | |
33 | FINANCIAL CONCEPTS MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | Exceptional | $2,705Fees | 0.405%Above | 311 | |
34 | The Central Trust BankBank | Strong | Sound | Strong | Strong | Strong | $1,121Fees | 0.342%Above | 183 | |
35 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,487Fees | 0.575%Above | 112 | |
36 | American Mortgage Bank, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $2,425Fees | 0.662%Above | 110 | |
37 | FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,386Fees | 0.195%Above | 98 | |
38 | SUN WEST MORTGAGE COMPANY, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,763Fees | 0.500%Above | 58 | |
39 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Sound | $1,882Fees | 0.384%Above | 56 | |
40 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,424Fees | 0.508%Above | 49 | |
41 | BancFirstBank | Strong | Acceptable | Strong | Strong | Exceptional | $1,320Fees | 0.255%Above | 387 | |
42 | BOKF, National AssociationBank | Strong | Acceptable | Strong | Strong | Exceptional | $1,567Fees | 0.534%Above | 300 | |
43 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,562Fees | 0.448%Above | 167 | |
44 | TINKER FEDERAL CREDIT UNIONCredit Union | Strong | Sound | Sound | Sound | Exceptional | $1,516Fees | 0.079%Above | 153 | |
45 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,624Fees | 0.470%Above | 139 | |
46 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,052Fees | 0.350%Above | 115 | |
47 | V.I.P. MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,999Fees | 0.299%Above | 114 | |
48 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,800Fees | 0.633%Above | 108 | |
49 | MORTGAGE SOLUTIONS OF COLORADO, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,851Fees | 0.569%Above | 68 | |
50 | SOUTHWEST FUNDING, LPIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $3,141Fees | 0.685%Above | 71 |
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.