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 | $595Fees | 0.485%Below | 469 | |
2 | Firstar BankBank | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,450Fees | 0.154%Above | 358 | |
3 | FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,950Fees | 0.405%Above | 1,194 | |
4 | Bank of America, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,584Fees | 0.234%Above | 285 | |
5 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,134Fees | 0.304%Above | 119 | |
6 | NBKC BANKBank | Exceptional | Exceptional | Strong | Sound | Strong | $684Fees | 0.154%Below | 100 | |
7 | ASSOCIATED MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,433Fees | 0.316%Above | 2,371 | |
8 | BOKF, National AssociationBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,613Fees | 0.480%Above | 1,118 | |
9 | MidFirst BankBank | Exceptional | Exceptional | Sound | Sound | Strong | $776Fees | 0.009%Below | 274 | |
10 | Truity Federal Credit UnionCredit Union | Exceptional | Strong | Strong | Strong | Strong | $797Fees | 0.116%Above | 160 | |
11 | Wells Fargo Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $2,202Fees | 0.163%Above | 135 | |
12 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,582Fees | 0.420%Above | 2,948 | |
13 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,585Fees | 0.172%Above | 1,503 | |
14 | Stride Bank, National AssociationBank | Strong | Sound | Strong | Strong | Exceptional | $1,494Fees | 0.351%Above | 1,110 | |
15 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $1,783Fees | 0.270%Above | 420 | |
16 | FINANCIAL CONCEPTS MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Sound | Exceptional | Exceptional | $2,424Fees | 0.384%Above | 413 | |
17 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,873Fees | 0.357%Above | 315 | |
18 | The Central Trust BankBank | Strong | Sound | Exceptional | Strong | Strong | $1,214Fees | 0.278%Above | 306 | |
19 | RCB BankBank | Strong | Strong | Sound | Sound | Exceptional | $1,292Fees | 0.358%Below | 279 | |
20 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Strong | Strong | Sound | Strong | $2,113Fees | 0.148%Above | 134 | |
21 | First United Bank and Trust CompanyBank | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,854Fees | 0.473%Above | 2,541 | |
22 | Arvest BankBank | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,701Fees | 0.405%Above | 1,513 | |
23 | Gateway First BankBank | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,546Fees | 0.423%Above | 1,085 | |
24 | Great Plains National BankBank | Strong | Acceptable | Strong | Exceptional | Exceptional | $2,047Fees | 0.481%Above | 957 | |
25 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $1,856Fees | 0.016%Below | 405 | |
26 | MLD MORTGAGE INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $2,777Fees | 0.254%Above | 404 | |
27 | Sovereign BankBank | Strong | Sound | Sound | Strong | Exceptional | $1,989Fees | 0.343%Above | 341 | |
28 | TTCU Federal Credit UnionCredit Union | Strong | Strong | Sound | Sound | Strong | $1,416Fees | 0.148%Above | 203 | |
29 | V.I.P. MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,131Fees | 0.274%Above | 184 | |
30 | Communication Federal Credit UnionCredit Union | Strong | Strong | Sound | Sound | Strong | $1,037Fees | 0.409%Above | 174 | |
31 | AMERIHOME MORTGAGE COMPANY, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $2,631Fees | 0.534%Above | 126 | |
32 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $1,513Fees | 0.419%Above | 99 | |
33 | BancFirstBank | Strong | Acceptable | Strong | Strong | Exceptional | $1,295Fees | 0.342%Above | 1,113 | |
34 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,061Fees | 0.540%Above | 561 | |
35 | THE MORTGAGE LINK, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $2,981Fees | 0.639%Above | 431 | |
36 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,941Fees | 0.283%Above | 382 | |
37 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $2,660Fees | 0.534%Above | 323 | |
38 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,118Fees | 0.467%Above | 267 | |
39 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,819Fees | 0.462%Above | 259 | |
40 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,042Fees | 0.715%Above | 257 | |
41 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,499Fees | 0.248%Above | 229 | |
42 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,425Fees | 0.586%Above | 197 | |
43 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,546Fees | 0.599%Above | 197 | |
44 | SWBC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,121Fees | 0.356%Above | 181 | |
45 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,279Fees | 0.564%Above | 160 | |
46 | GoodLeap, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $3,034Fees | 0.140%Below | 135 | |
47 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,095Fees | 0.841%Above | 127 | |
48 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,293Fees | 0.482%Above | 118 | |
49 | Flagstar Bank, N.A.Bank | Strong | Acceptable | Exceptional | Strong | Strong | $1,739Fees | 0.356%Above | 117 | |
50 | TOWNE MORTGAGE COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,528Fees | 0.409%Above | 114 |
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.