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 | Exceptional | Exceptional | $267Fees | 0.063%Below | 1,013 | |
2 | Midwest BankCentreBank | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $669Fees | 0.009%Above | 388 | |
3 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $1,198Fees | 0.313%Above | 1,857 | |
4 | FCB BanksBank | Exceptional | Exceptional | Strong | Strong | Exceptional | $714Fees | 0.085%Below | 642 | |
5 | NBKC BANKBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $191Fees | 0.203%Below | 99 | |
6 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $552Fees | 0.186%Above | 783 | |
7 | GERSHMAN INVESTMENT CORP.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,367Fees | 0.555%Above | 709 | |
8 | First State Bank of St. Charles, MissouriBank | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,306Fees | 0.165%Above | 646 | |
9 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,496Fees | 0.415%Above | 516 | |
10 | SCOTT CREDIT UNIONCredit Union | Exceptional | Exceptional | Strong | Sound | Exceptional | $674Fees | 0.061%Above | 458 | |
11 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $348Fees | 0.438%Below | 272 | |
12 | First Horizon BankBank | Exceptional | Exceptional | Strong | Strong | Strong | $818Fees | 0.248%Above | 119 | |
13 | Carrollton BankBank | Exceptional | Strong | Strong | Strong | Exceptional | $828Fees | 0.169%Above | 589 | |
14 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,071Fees | 0.520%Above | 344 | |
15 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,999Fees | 0.806%Above | 338 | |
16 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,997Fees | 0.052%Below | 220 | |
17 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,153Fees | 0.325%Above | 89 | |
18 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $1,566Fees | 0.187%Above | 432 | |
19 | First BankBank | Exceptional | Strong | Strong | Strong | Strong | $1,098Fees | 0.237%Above | 255 | |
20 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,693Fees | 0.356%Above | 168 | |
21 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,047Fees | 0.532%Above | 167 | |
22 | VICTORY MORTGAGE, L.L.C.Independent Mortgage Company | Exceptional | Strong | Strong | Strong | Strong | $658Fees | 0.143%Above | 164 | |
23 | USAA Federal Savings BankBank | Exceptional | Strong | Exceptional | Sound | Strong | $1,601Fees | 0.169%Below | 151 | |
24 | Bell BankBank | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,496Fees | 0.454%Above | 118 | |
25 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,559Fees | 0.446%Above | 1,941 | |
26 | FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $1,224Fees | 0.392%Above | 1,380 | |
27 | DELMAR FINANCIAL COMPANYIndependent Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $1,369Fees | 0.341%Above | 1,006 | |
28 | The Central Trust BankBank | Strong | Sound | Strong | Strong | Exceptional | $889Fees | 0.305%Above | 632 | |
29 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,579Fees | 0.476%Above | 274 | |
30 | Paramount BankBank | Strong | Sound | Strong | Strong | Exceptional | $1,558Fees | 0.303%Above | 243 | |
31 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,088Fees | 0.381%Above | 175 | |
32 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $1,389Fees | 0.358%Above | 155 | |
33 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,168Fees | 0.319%Above | 136 | |
34 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $872Fees | 0.501%Above | 125 | |
35 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,118Fees | 0.519%Above | 2,800 | |
36 | DAS Acquisition Company, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,824Fees | 0.649%Above | 1,731 | |
37 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,738Fees | 0.533%Above | 923 | |
38 | ENDEAVOR CAPITAL, LLC.Independent Mortgage Company | Strong | Sound | Strong | Sound | Exceptional | $2,045Fees | 0.456%Above | 596 | |
39 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,010Fees | 0.567%Above | 470 | |
40 | Regions BankBank | Strong | Sound | Strong | Sound | Exceptional | $1,290Fees | 0.421%Above | 443 | |
41 | FAMILY FINANCE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | Exceptional | $1,694Fees | 0.693%Above | 270 | |
42 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,286Fees | 0.504%Above | 208 | |
43 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,163Fees | 0.706%Above | 182 | |
44 | FRONTIER FINANCIAL, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Exceptional | Strong | $1,630Fees | 0.557%Above | 94 | |
45 | GENEVA FINANCIAL, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $3,204Fees | 0.713%Above | 238 | |
46 | Nations Lending CorporationIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $2,272Fees | 0.604%Above | 207 | |
47 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $1,547Fees | 0.474%Above | 359 | |
48 | LEADERONE FINANCIAL CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $2,350Fees | 0.722%Above | 264 | |
49 | AMERISAVE MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $3,597Fees | 0.795%Above | 89 | |
50 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $5,056Fees | 0.440%Above | 73 |
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.