Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | U.S. Bank National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $861Credit | 0.162%Below | 1,093 | |
2 | Citibank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $1,710Credit | 0.251%Below | 330 | |
3 | SCHOOLSFIRSTCredit Union | Exceptional | Exceptional | Strong | Strong | Exceptional | $219Fees | 0.107%Below | 491 | |
4 | Wells Fargo Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $486Fees | 0.213%Below | 395 | |
5 | Bank of America, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $269Credit | 0.322%Below | 349 | |
6 | Morgan Stanley Private Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $400Fees | 0.517%Below | 92 | |
7 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,536Fees | 0.131%Above | 226 | |
8 | BMO Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $301Fees | 0.005%Below | 190 | |
9 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Sound | $529Fees | 0.630%Below | 72 | |
10 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,036Fees | 0.087%Above | 2,789 | |
11 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,289Fees | 0.137%Above | 2,064 | |
12 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,655Fees | 0.035%Above | 472 | |
13 | Charles Schwab Bank, SSBBank | Exceptional | Sound | Exceptional | Exceptional | Strong | $558Fees | 0.346%Below | 69 | |
14 | First-Citizens Bank & Trust CompanyBank | Exceptional | Strong | Exceptional | Strong | Sound | $33Credit | 0.011%Above | 43 | |
15 | NMSI, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,766Fees | 0.354%Above | 383 | |
16 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $934Fees | 0.101%Above | 278 | |
17 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,802Fees | 0.308%Above | 208 | |
18 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,849Fees | 0.119%Above | 152 | |
19 | PNC Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $110Fees | 0.019%Below | 94 | |
20 | Zions Bancorporation, N.A.Bank | Strong | Strong | Exceptional | Sound | Sound | $742Fees | 0.299%Below | 47 | |
21 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $1,718Fees | 0.028%Above | 360 | |
22 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $2,708Fees | 0.201%Above | 103 | |
23 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $930Fees | 0.477%Above | 75 | |
24 | OriginPoint, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $1,236Fees | 0.363%Above | 56 | |
25 | NuVision Federal Credit UnionCredit Union | Strong | Sound | Strong | Strong | Strong | $1,842Fees | 0.152%Above | 50 | |
26 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,197Fees | 0.380%Above | 353 | |
27 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,803Fees | 0.317%Above | 234 | |
28 | NEW WAVE LENDING GROUP INCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,136Fees | 0.602%Above | 333 | |
29 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $2,438Fees | 0.304%Above | 178 | |
30 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $2,136Fees | 0.256%Above | 110 | |
31 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,990Fees | 0.291%Above | 55 | |
32 | NexBankBank | Strong | Acceptable | Exceptional | Strong | Sound | $466Credit | 0.450%Above | 54 | |
33 | EMET LENDING GROUP, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,789Fees | 0.859%Above | 212 | |
34 | FIRST STANDARD FINANCIAL CORP.Independent Mortgage Company | Strong | Mediocre | Strong | Exceptional | Strong | $3,238Fees | 0.195%Above | 99 | |
35 | JMJ FINANCIAL GROUPIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $3,388Fees | 0.333%Above | 95 | |
36 | Logan Finance CorporationIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $2,023Fees | 0.783%Above | 88 | |
37 | General Mortgage Capital CorporationIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $1,551Fees | 0.100%Above | 83 | |
38 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $1,935Fees | 0.143%Above | 79 | |
39 | CLEAREDGE LENDING LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,126Fees | 0.982%Above | 76 | |
40 | FRANKLIN LOAN CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Strong | Exceptional | Strong | $2,742Fees | 0.579%Above | 70 | |
41 | Citadel Servicing CorporationIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $2,683Fees | 0.976%Above | 68 | |
42 | Hometown Equity Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $3,351Fees | 0.753%Above | 59 | |
43 | ONY GLO, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $2,292Fees | 0.194%Above | 58 | |
44 | HOMEXPRESS MORTGAGE CORP.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,453Fees | 1.040%Above | 56 | |
45 | OCMBC, INC.Independent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $3,484Fees | 0.537%Above | 230 | |
46 | Flagstar Bank, N.A.Bank | Sound | Mediocre | Exceptional | Sound | Strong | $2,803Fees | 0.196%Above | 167 | |
47 | AAA CAPITAL INVESTMENT, INC.Independent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $1,240Fees | 0.164%Above | 102 | |
48 | EMPORIUM TPO LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $3,828Fees | 0.801%Above | 56 |
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.