Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $3,140Fees | 0.110%Above | 826 | |
2 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,370Fees | 0.618%Below | 138 | |
3 | NBKC BANKBank | Exceptional | Exceptional | Exceptional | Strong | Sound | $1,197Fees | 0.226%Below | 32 | |
4 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,981Fees | 0.240%Above | 192 | |
5 | KIND LENDING, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,277Fees | 0.335%Above | 127 | |
6 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,721Fees | 0.383%Above | 96 | |
7 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,325Fees | 0.130%Below | 77 | |
8 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $3,006Fees | 0.078%Above | 307 | |
9 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,109Fees | 0.374%Above | 230 | |
10 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,764Fees | 0.386%Above | 171 | |
11 | USAA Federal Savings BankBank | Exceptional | Strong | Exceptional | Sound | Strong | $1,926Fees | 0.134%Below | 100 | |
12 | Bell BankBank | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,643Fees | 0.070%Above | 96 | |
13 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,505Fees | 0.306%Above | 763 | |
14 | NUSENDACredit Union | Strong | Strong | Sound | Sound | Exceptional | $1,267Fees | 0.244%Below | 353 | |
15 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,782Fees | 0.154%Below | 204 | |
16 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $2,009Fees | 0.319%Above | 82 | |
17 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,088Fees | 0.495%Above | 66 | |
18 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | Sound | $3,733Fees | 0.131%Above | 28 | |
19 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,437Fees | 0.503%Above | 901 | |
20 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $3,189Fees | 0.405%Above | 45 | |
21 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $1,780Fees | 0.119%Below | 43 | |
22 | BOKF, National AssociationBank | Strong | Acceptable | Strong | Strong | Exceptional | $2,139Fees | 0.326%Above | 463 | |
23 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,906Fees | 0.091%Above | 202 | |
24 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,746Fees | 0.622%Above | 88 | |
25 | MORTGAGE SOLUTIONS OF COLORADO, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,689Fees | 0.718%Above | 66 | |
26 | HOMEBRIDGE FINANCIAL SERVICES, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Sound | $3,159Fees | 0.334%Above | 37 | |
27 | Waterstone Mortgage CorporationIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,781Fees | 0.565%Above | 1,030 | |
28 | PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,930Fees | 0.494%Above | 627 | |
29 | CALCON MUTUAL MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $4,393Fees | 0.424%Above | 154 | |
30 | Sunflower Bank, National AssociationBank | Strong | Acceptable | Strong | Strong | Strong | $2,644Fees | 0.537%Above | 82 | |
31 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $4,148Fees | 0.619%Above | 62 | |
32 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $1,416Fees | 0.145%Above | 54 | |
33 | Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,369Fees | 0.152%Above | 48 | |
34 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,509Fees | 0.268%Above | 37 | |
35 | GoodLeap, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Sound | $3,844Fees | 0.027%Below | 32 | |
36 | HOMETRUST MORTGAGE COMPANYIndependent Mortgage Company | Strong | Mediocre | Strong | Strong | Exceptional | $3,863Fees | 0.370%Above | 166 | |
37 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Sound | $4,402Fees | 0.102%Above | 39 | |
38 | Kirtland Federal Credit UnionCredit Union | Sound | Acceptable | — | Sound | Strong | $3,520Fees | 0.234%Below | 109 | |
39 | AMERISAVE MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Acceptable | Strong | Sound | Sound | $5,463Fees | 0.389%Above | 31 | |
40 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Sound | $2,983Fees | 0.401%Above | 46 | |
41 | NEW DAY FINANCIAL, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Sound | $7,368Fees | 1.378%Above | 42 | |
42 | The Federal Savings BankBank | Sound | Mediocre | Exceptional | Sound | Sound | $4,260Fees | 0.599%Above | 26 |
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.