Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Firstar BankBank | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,450Fees | 0.154%Above | 358 | |
2 | ASSOCIATED MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,433Fees | 0.316%Above | 2,371 | |
3 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,585Fees | 0.172%Above | 1,503 | |
4 | FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,950Fees | 0.405%Above | 1,194 | |
5 | LENDLO MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,159Fees | 0.499%Above | 826 | |
6 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,660Fees | 0.534%Above | 323 | |
7 | F&M BankBank | Exceptional | Strong | Strong | Strong | Exceptional | $1,732Fees | 0.218%Above | 249 | |
8 | CWM PARTNERS, L.P.Independent Mortgage Company | Exceptional | Strong | Strong | Strong | Exceptional | $1,961Fees | 0.265%Above | 245 | |
9 | INTERLINC MORTGAGE SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,316Fees | 0.817%Above | 183 | |
10 | NBKC BANKBank | Exceptional | Exceptional | Strong | Sound | Strong | $684Fees | 0.154%Below | 100 | |
11 | First United Bank and Trust CompanyBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,854Fees | 0.473%Above | 2,541 | |
12 | Arvest BankBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,701Fees | 0.405%Above | 1,513 | |
13 | Stride Bank, National AssociationBank | Exceptional | Sound | Strong | Exceptional | Exceptional | $1,494Fees | 0.351%Above | 1,110 | |
14 | Great Plains National BankBank | Exceptional | Sound | Strong | Exceptional | Exceptional | $2,047Fees | 0.481%Above | 957 | |
15 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $1,856Fees | 0.016%Below | 405 | |
16 | Sovereign BankBank | Exceptional | Sound | Strong | Exceptional | Exceptional | $1,989Fees | 0.343%Above | 341 | |
17 | RCB BankBank | Exceptional | Strong | Sound | Strong | Exceptional | $1,292Fees | 0.358%Below | 279 | |
18 | American Bank of OklahomaBank | Exceptional | Strong | Strong | Strong | Strong | $2,959Fees | 0.061%Below | 245 | |
19 | SWBC MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $4,121Fees | 0.356%Above | 181 | |
20 | Simmons BankBank | Exceptional | Strong | Strong | Strong | Strong | $1,979Fees | 0.356%Above | 144 | |
21 | GoodLeap, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $3,034Fees | 0.140%Below | 135 | |
22 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $1,134Fees | 0.304%Above | 119 | |
23 | TOWNE MORTGAGE COMPANYIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,528Fees | 0.409%Above | 114 | |
24 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $1,513Fees | 0.419%Above | 99 | |
25 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,582Fees | 0.420%Above | 2,948 | |
26 | BancFirstBank | Strong | Sound | Strong | Strong | Exceptional | $1,295Fees | 0.342%Above | 1,113 | |
27 | CORNERSTONE CAPITAL BANK, SSBBank | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,689Fees | 0.496%Above | 700 | |
28 | MLD MORTGAGE INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,777Fees | 0.254%Above | 404 | |
29 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,873Fees | 0.357%Above | 315 | |
30 | The Central Trust BankBank | Strong | Sound | Exceptional | Strong | Strong | $1,214Fees | 0.278%Above | 306 | |
31 | Chickasaw Community BankBank | Strong | Strong | Strong | Sound | Strong | $2,814Fees | 0.003%Below | 154 | |
32 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,293Fees | 0.482%Above | 118 | |
33 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $1,739Fees | 0.356%Above | 117 | |
34 | Gateway First BankBank | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,546Fees | 0.423%Above | 1,085 | |
35 | THE MORTGAGE LINK, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,981Fees | 0.639%Above | 431 | |
36 | FINANCIAL CONCEPTS MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | Exceptional | $2,424Fees | 0.384%Above | 413 | |
37 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $1,831Fees | 0.501%Above | 296 | |
38 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,819Fees | 0.462%Above | 259 | |
39 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,425Fees | 0.586%Above | 197 | |
40 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,546Fees | 0.599%Above | 197 | |
41 | V.I.P. MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,131Fees | 0.274%Above | 184 | |
42 | BOKF, National AssociationBank | Strong | Acceptable | Strong | Strong | Exceptional | $1,613Fees | 0.480%Above | 1,118 | |
43 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,061Fees | 0.540%Above | 561 | |
44 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,941Fees | 0.283%Above | 382 | |
45 | American Mortgage Bank, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $1,872Fees | 0.573%Above | 371 | |
46 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,499Fees | 0.248%Above | 229 | |
47 | MORTGAGE SOLUTIONS OF COLORADO, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,806Fees | 0.595%Above | 180 | |
48 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,279Fees | 0.564%Above | 160 | |
49 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,095Fees | 0.841%Above | 127 | |
50 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,391Fees | 0.856%Above | 122 |
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.