Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | American National Bank & TrustBank | Exceptional | Strong | Exceptional | Strong | $2,036Fees | 0.432%Above | 33 | |
2 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $2,807Fees | 0.204%Above | 157 | |
3 | NAVY FEDERAL CREDIT UNIONCredit Union | Strong | Exceptional | Sound | Sound | $1,044Fees | 0.467%Below | 20 | |
4 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | $4,450Fees | 0.507%Above | 39 | |
5 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $4,432Fees | 0.255%Below | 177 | |
6 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $4,826Fees | 0.556%Above | 156 | |
7 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,924Fees | 0.429%Above | 146 | |
8 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | $4,391Fees | 0.319%Above | 41 | |
9 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Strong | $2,200Fees | 0.377%Above | 36 | |
10 | First United Bank and Trust CompanyBank | Strong | Acceptable | Strong | Exceptional | $2,415Fees | 0.548%Above | 123 | |
11 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,077Fees | 0.124%Above | 40 | |
12 | HIGHLAND HOMELOANS, LLCIndependent Mortgage Company | Strong | Sound | Sound | Strong | $4,708Fees | 0.289%Below | 30 | |
13 | Cadence BankBank | Strong | Sound | Strong | Sound | $2,683Fees | 0.025%Above | 23 | |
14 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Sound | $1,655Fees | 0.164%Above | 22 | |
15 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | $1,637Fees | 0.037%Above | 20 | |
16 | AMERICAN PORTFOLIO MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $4,574Fees | 0.669%Above | 52 | |
17 | SFMC, LPIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $5,036Fees | 0.514%Above | 51 | |
18 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,464Fees | 0.202%Above | 33 | |
19 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | $4,375Fees | 0.612%Above | 27 | |
20 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Sound | $4,843Fees | 0.388%Above | 24 | |
21 | BROOKHOLLOW MORTGAGE SERVICES, LTD.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $6,716Fees | 0.513%Above | 23 | |
22 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Sound | Acceptable | Strong | Sound | $5,713Fees | 0.890%Above | 25 | |
23 | First State BankBank | Sound | Acceptable | Sound | Strong | $1,976Fees | 0.354%Above | 22 | |
24 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Sound | Acceptable | Strong | Sound | $3,482Fees | 0.224%Above | 22 | |
25 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD.Independent Mortgage Company | Sound | Mediocre | Strong | Strong | $4,899Fees | 0.428%Above | 35 | |
26 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Acceptable | Sound | Sound | $4,147Fees | 0.685%Above | 23 |
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.