Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Firstar BankBank | Exceptional | Strong | Exceptional | Exceptional | $1,450Fees | 0.154%Above | 358 | |
2 | MidFirst BankBank | Exceptional | Exceptional | Strong | Strong | $776Fees | 0.009%Below | 274 | |
3 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Sound | Strong | $595Fees | 0.485%Below | 469 | |
4 | NBKC BANKBank | Exceptional | Exceptional | Sound | Strong | $684Fees | 0.154%Below | 100 | |
5 | ASSOCIATED MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $2,433Fees | 0.316%Above | 2,371 | |
6 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $2,585Fees | 0.172%Above | 1,503 | |
7 | FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $1,950Fees | 0.405%Above | 1,194 | |
8 | LENDLO MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $3,159Fees | 0.499%Above | 826 | |
9 | Bank of America, National AssociationBank | Strong | Strong | Strong | Strong | $1,584Fees | 0.234%Above | 285 | |
10 | RCB BankBank | Strong | Strong | Sound | Exceptional | $1,292Fees | 0.358%Below | 279 | |
11 | American Bank of OklahomaBank | Strong | Strong | Strong | Strong | $2,959Fees | 0.061%Below | 245 | |
12 | U.S. Bank National AssociationBank | Strong | Strong | Strong | Strong | $1,134Fees | 0.304%Above | 119 | |
13 | Stride Bank, National AssociationBank | Strong | Sound | Strong | Exceptional | $1,494Fees | 0.351%Above | 1,110 | |
14 | MLD MORTGAGE INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | $2,777Fees | 0.254%Above | 404 | |
15 | Sovereign BankBank | Strong | Sound | Strong | Exceptional | $1,989Fees | 0.343%Above | 341 | |
16 | F&M BankBank | Strong | Sound | Strong | Exceptional | $1,732Fees | 0.218%Above | 249 | |
17 | CWM PARTNERS, L.P.Independent Mortgage Company | Strong | Sound | Strong | Exceptional | $1,961Fees | 0.265%Above | 245 | |
18 | TTCU Federal Credit UnionCredit Union | Strong | Strong | Sound | Strong | $1,416Fees | 0.148%Above | 203 | |
19 | Communication Federal Credit UnionCredit Union | Strong | Strong | Sound | Strong | $1,037Fees | 0.409%Above | 174 | |
20 | Truity Federal Credit UnionCredit Union | Strong | Strong | Sound | Strong | $797Fees | 0.116%Above | 160 | |
21 | Wells Fargo Bank, National AssociationBank | Strong | Strong | Sound | Strong | $2,202Fees | 0.163%Above | 135 | |
22 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,582Fees | 0.420%Above | 2,948 | |
23 | Great Plains National BankBank | Strong | Acceptable | Exceptional | Exceptional | $2,047Fees | 0.481%Above | 957 | |
24 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Strong | $1,783Fees | 0.270%Above | 420 | |
25 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $1,856Fees | 0.016%Below | 405 | |
26 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | $1,941Fees | 0.283%Above | 382 | |
27 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Strong | $2,660Fees | 0.534%Above | 323 | |
28 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $2,873Fees | 0.357%Above | 315 | |
29 | The Central Trust BankBank | Strong | Sound | Strong | Strong | $1,214Fees | 0.278%Above | 306 | |
30 | Simmons BankBank | Strong | Sound | Strong | Strong | $1,979Fees | 0.356%Above | 144 | |
31 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Sound | $1,513Fees | 0.419%Above | 99 | |
32 | First United Bank and Trust CompanyBank | Strong | Acceptable | Strong | Exceptional | $1,854Fees | 0.473%Above | 2,541 | |
33 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $1,518Fees | 0.519%Above | 1,577 | |
34 | Arvest BankBank | Strong | Acceptable | Strong | Exceptional | $1,701Fees | 0.405%Above | 1,513 | |
35 | BOKF, National AssociationBank | Strong | Acceptable | Strong | Exceptional | $1,613Fees | 0.480%Above | 1,118 | |
36 | BancFirstBank | Strong | Acceptable | Strong | Exceptional | $1,295Fees | 0.342%Above | 1,113 | |
37 | Gateway First BankBank | Strong | Acceptable | Strong | Exceptional | $2,546Fees | 0.423%Above | 1,085 | |
38 | CORNERSTONE CAPITAL BANK, SSBBank | Strong | Acceptable | Strong | Exceptional | $3,689Fees | 0.496%Above | 700 | |
39 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,061Fees | 0.540%Above | 561 | |
40 | THE MORTGAGE LINK, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $2,981Fees | 0.639%Above | 431 | |
41 | FINANCIAL CONCEPTS MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $2,424Fees | 0.384%Above | 413 | |
42 | American Mortgage Bank, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $1,872Fees | 0.573%Above | 371 | |
43 | USAA Federal Savings BankBank | Strong | Sound | Sound | Strong | $1,553Fees | 0.098%Below | 275 | |
44 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,819Fees | 0.462%Above | 259 | |
45 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,499Fees | 0.248%Above | 229 | |
46 | TINKER FEDERAL CREDIT UNIONCredit Union | Strong | Sound | Sound | Strong | $1,469Fees | 0.116%Above | 203 | |
47 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,425Fees | 0.586%Above | 197 | |
48 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,546Fees | 0.599%Above | 197 | |
49 | V.I.P. MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,131Fees | 0.274%Above | 184 | |
50 | SWBC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $4,121Fees | 0.356%Above | 181 |
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.