Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,039Fees | 0.386%Above | 425 | |
2 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,706Fees | 0.279%Above | 84 | |
3 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,593Fees | 0.672%Above | 72 | |
4 | Fidelity Bank, National AssociationBank | Exceptional | Strong | Strong | Sound | Exceptional | $1,201Fees | 0.280%Above | 441 | |
5 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,811Fees | 0.136%Above | 169 | |
6 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $1,717Fees | 0.076%Below | 144 | |
7 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,576Fees | 0.400%Above | 520 | |
8 | PLANET HOME LENDING, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,029Fees | 0.513%Above | 130 | |
9 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,204Fees | 0.675%Above | 115 | |
10 | PENTAGON FEDERAL CREDIT UNIONCredit Union | Strong | Strong | Strong | Sound | Strong | $2,499Fees | 0.025%Below | 114 | |
11 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $1,651Fees | 0.317%Above | 82 | |
12 | Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,372Fees | 0.398%Above | 386 | |
13 | Gateway First BankBank | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,663Fees | 0.382%Above | 245 | |
14 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,156Fees | 0.430%Above | 157 | |
15 | Members Mortgage Services, L.L.C.Independent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $1,794Fees | 0.231%Above | 88 | |
16 | Equity BankBank | Strong | Exceptional | Acceptable | Acceptable | Strong | $1,080Fees | 0.025%Above | 48 | |
17 | Plains Commerce BankBank | Strong | Sound | Exceptional | Strong | Sound | $1,918Fees | 0.473%Above | 35 | |
18 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Exceptional | $438Fees | 0.590%Above | 257 | |
19 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,722Fees | 0.552%Above | 202 | |
20 | REGENT FINANCIAL GROUP, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Exceptional | Strong | $1,961Fees | 0.528%Above | 116 | |
21 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Sound | $2,119Fees | 0.336%Above | 51 | |
22 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $1,994Fees | 0.423%Above | 36 | |
23 | AMERICAN FINANCING CORPORATIONIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Sound | $4,247Fees | 0.249%Above | 15 | |
24 | American Mortgage Bank, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $1,368Fees | 0.437%Above | 51 | |
25 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,158Fees | 0.452%Above | 48 | |
26 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,447Fees | 0.945%Above | 45 | |
27 | Sunflower Bank, National AssociationBank | Strong | Acceptable | Exceptional | Strong | Sound | $1,847Fees | 0.095%Above | 30 | |
28 | VILLAGE CAPITAL & INVESTMENT LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Sound | $2,265Fees | 0.103%Above | 25 | |
29 | AMERICAN FINANCIAL RESOURCES, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $1,774Fees | 0.994%Above | 19 | |
30 | SUN WEST MORTGAGE COMPANY, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $1,561Fees | 0.553%Above | 15 | |
31 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $2,728Fees | 0.383%Above | 56 | |
32 | PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $2,278Fees | 0.743%Above | 53 | |
33 | BOKF, National AssociationBank | Strong | Acceptable | Strong | Strong | Sound | $1,858Fees | 0.593%Above | 31 | |
34 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $662Fees | 0.263%Above | 24 | |
35 | AMERISAVE MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $3,644Fees | 1.332%Above | 20 | |
36 | US MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $3,455Fees | 0.694%Above | 68 | |
37 | LEADERONE FINANCIAL CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $3,558Fees | 0.465%Above | 42 | |
38 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Sound | $2,021Fees | 0.955%Above | 28 |
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.