Safe Rate Rankings
Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Global Federal Credit UnionCredit Union | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,710Fees | 0.038%Above | 674 | |
2 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Strong | $3,473Fees | 0.130%Above | 230 | |
3 | NBKC BANKBank | Exceptional | Exceptional | Exceptional | Strong | Sound | $1,125Fees | 0.179%Below | 35 | |
4 | RESIDENTIAL MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,050Fees | 0.033%Above | 1,032 | |
5 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $3,059Fees | 0.114%Above | 91 | |
6 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Sound | $767Fees | 0.622%Below | 59 | |
7 | North American Savings Bank, F.S.B.Bank | Exceptional | Exceptional | Strong | Strong | Sound | $977Fees | 0.205%Below | 28 | |
8 | NEWREZ LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,772Fees | 0.295%Above | 410 | |
9 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $4,251Fees | 0.080%Above | 182 | |
10 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $5,224Fees | 0.130%Below | 123 | |
11 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $5,258Fees | 0.124%Below | 55 | |
12 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $2,143Fees | 0.347%Below | 35 | |
13 | KIND LENDING, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $3,442Fees | 0.304%Above | 21 | |
14 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,962Fees | 0.068%Above | 123 | |
15 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $4,638Fees | 0.309%Above | 85 | |
16 | USAA Federal Savings BankBank | Strong | Strong | Exceptional | Sound | Sound | $1,853Fees | 0.255%Below | 53 | |
17 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Exceptional | Sound | $2,181Fees | 0.169%Above | 46 | |
18 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Exceptional | Sound | $3,551Fees | 0.172%Above | 22 | |
19 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,417Fees | 0.301%Above | 261 | |
20 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Sound | $2,580Fees | 0.121%Above | 40 | |
21 | Plains Commerce BankBank | Strong | Sound | Exceptional | Strong | Sound | $3,827Fees | 0.223%Above | 31 | |
22 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $4,287Fees | 0.384%Above | 24 | |
23 | SUN WEST MORTGAGE COMPANY, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $1,931Fees | 0.020%Above | 11 | |
24 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $484Credit | 0.535%Above | 190 | |
25 | Wells Fargo Bank, National AssociationBank | Strong | Sound | Exceptional | Sound | Sound | $2,751Fees | 0.129%Above | 54 | |
26 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $4,711Fees | 0.216%Above | 29 | |
27 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $2,792Fees | 0.286%Above | 24 | |
28 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $4,422Fees | 0.093%Below | 60 | |
29 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,648Fees | 0.327%Above | 16 | |
30 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $4,120Fees | 0.001%Above | 11 | |
31 | LAKEVIEW LOAN SERVICING, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Sound | $273Fees | 0.118%Above | 11 | |
32 | CANOPY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,654Fees | 0.016%Above | 81 | |
33 | PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,445Fees | 0.141%Above | 78 | |
34 | HOMEOWNERS FINANCIAL GROUP USA, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Sound | $4,028Fees | 0.039%Below | 38 | |
35 | GENEVA FINANCIAL, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Sound | $5,601Fees | 0.296%Above | 30 | |
36 | First National Bank AlaskaBank | Sound | Acceptable | — | Sound | Strong | $4,829Fees | 0.017%Below | 82 | |
37 | The Federal Savings BankBank | Sound | Mediocre | Exceptional | Sound | Sound | $4,111Fees | 0.425%Above | 32 | |
38 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Sound | $3,264Fees | 0.427%Above | 24 |
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.