Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Stifel Bank and TrustBank | Exceptional | Exceptional | Strong | Strong | Exceptional | $267Fees | 0.063%Below | 1,013 | |
2 | Midwest BankCentreBank | Exceptional | Exceptional | Strong | Strong | Exceptional | $669Fees | 0.009%Above | 388 | |
3 | First State Bank of St. Charles, MissouriBank | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,306Fees | 0.165%Above | 646 | |
4 | VICTORY MORTGAGE, L.L.C.Independent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Strong | $658Fees | 0.143%Above | 164 | |
5 | Associated Bank, National AssociationBank | Exceptional | Exceptional | Strong | Strong | Strong | $217Fees | 0.146%Above | 139 | |
6 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,198Fees | 0.313%Above | 1,857 | |
7 | FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,224Fees | 0.392%Above | 1,380 | |
8 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Sound | Exceptional | $552Fees | 0.186%Above | 783 | |
9 | FCB BanksBank | Exceptional | Exceptional | Sound | Sound | Exceptional | $714Fees | 0.085%Below | 642 | |
10 | Carrollton BankBank | Exceptional | Strong | Strong | Strong | Exceptional | $828Fees | 0.169%Above | 589 | |
11 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,999Fees | 0.806%Above | 338 | |
12 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,047Fees | 0.532%Above | 167 | |
13 | NBKC BANKBank | Exceptional | Exceptional | Strong | Sound | Strong | $191Fees | 0.203%Below | 99 | |
14 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,153Fees | 0.325%Above | 89 | |
15 | GERSHMAN INVESTMENT CORP.Independent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,367Fees | 0.555%Above | 709 | |
16 | The Central Trust BankBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $889Fees | 0.305%Above | 632 | |
17 | JLB CORPORATIONIndependent Mortgage Company | Exceptional | Sound | Strong | Exceptional | Exceptional | $3,484Fees | 0.354%Above | 411 | |
18 | First BankBank | Exceptional | Strong | Strong | Strong | Strong | $1,098Fees | 0.237%Above | 255 | |
19 | Paramount BankBank | Exceptional | Strong | Strong | Sound | Exceptional | $1,558Fees | 0.303%Above | 243 | |
20 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $1,997Fees | 0.052%Below | 220 | |
21 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,559Fees | 0.446%Above | 1,941 | |
22 | DELMAR FINANCIAL COMPANYIndependent Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $1,369Fees | 0.341%Above | 1,006 | |
23 | SCOTT CREDIT UNIONCredit Union | Strong | Strong | Sound | Sound | Exceptional | $674Fees | 0.061%Above | 458 | |
24 | Regions BankBank | Strong | Sound | Exceptional | Sound | Exceptional | $1,290Fees | 0.421%Above | 443 | |
25 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,088Fees | 0.381%Above | 175 | |
26 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $1,389Fees | 0.358%Above | 155 | |
27 | PNC Bank, National AssociationBank | Strong | Strong | Strong | Sound | Strong | $630Fees | 0.206%Above | 93 | |
28 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,118Fees | 0.519%Above | 2,800 | |
29 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,496Fees | 0.415%Above | 516 | |
30 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,010Fees | 0.567%Above | 470 | |
31 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $1,579Fees | 0.476%Above | 274 | |
32 | FAMILY FINANCE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | Exceptional | $1,694Fees | 0.693%Above | 270 | |
33 | Nations Lending CorporationIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,272Fees | 0.604%Above | 207 | |
34 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,693Fees | 0.356%Above | 168 | |
35 | Busey BankBank | Strong | Strong | Sound | Sound | Strong | $861Fees | 0.350%Above | 139 | |
36 | United Community BankBank | Strong | Strong | Sound | Sound | Strong | $155Fees | 0.176%Above | 137 | |
37 | Bank of SpringfieldBank | Strong | Strong | Sound | Sound | Strong | $788Fees | 0.296%Above | 131 | |
38 | Midland States BankBank | Strong | Sound | Strong | Strong | Strong | $1,922Fees | 0.530%Above | 84 | |
39 | DAS Acquisition Company, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $1,824Fees | 0.649%Above | 1,731 | |
40 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Exceptional | $1,738Fees | 0.533%Above | 923 | |
41 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Sound | Strong | $1,566Fees | 0.187%Above | 432 | |
42 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,071Fees | 0.520%Above | 344 | |
43 | Commerce BankBank | Strong | Sound | Strong | Sound | Strong | $220Fees | 0.270%Above | 230 | |
44 | Wells Fargo Bank, National AssociationBank | Strong | Sound | Strong | Sound | Strong | $1,987Fees | 0.135%Above | 159 | |
45 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $872Fees | 0.501%Above | 125 | |
46 | Bell BankBank | Strong | Acceptable | Exceptional | Strong | Strong | $1,496Fees | 0.454%Above | 118 | |
47 | FRONTIER FINANCIAL, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Exceptional | Strong | $1,630Fees | 0.557%Above | 94 | |
48 | ENDEAVOR CAPITAL, LLC.Independent Mortgage Company | Strong | Acceptable | Strong | Sound | Exceptional | $2,045Fees | 0.456%Above | 596 | |
49 | FIRST INTEGRITY MORTGAGE SERVICES, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $1,752Fees | 0.499%Above | 148 | |
50 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $1,168Fees | 0.319%Above | 136 |
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.