Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,162Fees | 0.543%Below | 671 | |
2 | PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,738Fees | 0.098%Below | 527 | |
3 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $358Fees | 0.012%Below | 749 | |
4 | Bank of America, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,759Fees | 0.059%Below | 539 | |
5 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,533Fees | 0.400%Below | 3,134 | |
6 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,562Fees | 0.190%Above | 1,795 | |
7 | VELOCIO MORTGAGE L.L.C.Independent Mortgage Company | Exceptional | Strong | Strong | Sound | Exceptional | $1,883Fees | 1.034%Below | 1,242 | |
8 | Wells Fargo Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $2,224Fees | 0.107%Above | 821 | |
9 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,154Fees | 0.132%Above | 13,305 | |
10 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,112Fees | 0.188%Above | 7,545 | |
11 | V.I.P. MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,382Fees | 0.448%Above | 2,318 | |
12 | ALTITUDE FINANCIAL CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $1,878Fees | 0.290%Above | 881 | |
13 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Strong | Strong | Sound | Strong | $2,641Fees | 0.099%Above | 391 | |
14 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,555Fees | 0.284%Above | 387 | |
15 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,694Fees | 0.296%Above | 311 | |
16 | BMO Bank National AssociationBank | Strong | Strong | Strong | Sound | Strong | $1,227Fees | 0.150%Above | 308 | |
17 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,454Fees | 0.283%Above | 254 | |
18 | Zions Bancorporation, N.A.Bank | Strong | Strong | Strong | Sound | Strong | $1,593Fees | 0.132%Above | 224 | |
19 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,960Fees | 0.478%Above | 3,456 | |
20 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,761Fees | 0.489%Above | 3,251 | |
21 | NOVA FINANCIAL & INVESTMENT CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,299Fees | 0.363%Above | 2,769 | |
22 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,451Fees | 0.478%Above | 2,267 | |
23 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,503Fees | 0.294%Above | 1,080 | |
24 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $2,061Fees | 0.028%Above | 942 | |
25 | Plains Commerce BankBank | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,252Fees | 0.220%Above | 902 | |
26 | MATTAMY HOME FUNDING, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $880Fees | 0.450%Above | 582 | |
27 | Nations Lending CorporationIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,228Fees | 0.264%Above | 519 | |
28 | SUN AMERICAN MORTGAGE COMPANYIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $2,208Fees | 0.234%Above | 255 | |
29 | TRUWEST Credit UnionCredit Union | Strong | Strong | Sound | Sound | Strong | $2,521Fees | 0.151%Below | 208 | |
30 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $3,267Fees | 0.126%Above | 942 | |
31 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,894Fees | 0.180%Above | 881 | |
32 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,926Fees | 0.398%Above | 830 | |
33 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,741Fees | 0.227%Above | 830 | |
34 | Flagstar Bank, N.A.Bank | Strong | Acceptable | Exceptional | Strong | Strong | $2,963Fees | 0.334%Above | 823 | |
35 | Bell BankBank | Strong | Acceptable | Exceptional | Strong | Strong | $3,340Fees | 0.374%Above | 735 | |
36 | HOMEOWNERS FINANCIAL GROUP USA, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $3,219Fees | 0.371%Above | 663 | |
37 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,906Fees | 0.423%Above | 644 | |
38 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,641Fees | 0.189%Above | 635 | |
39 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,554Fees | 0.275%Above | 618 | |
40 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,432Fees | 0.305%Above | 588 | |
41 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,206Fees | 0.697%Above | 386 | |
42 | GoodLeap, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $5,022Fees | 0.085%Below | 287 | |
43 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,800Fees | 0.401%Above | 247 | |
44 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,337Fees | 0.339%Above | 246 | |
45 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,783Fees | 0.346%Above | 241 | |
46 | Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,817Fees | 0.176%Above | 210 | |
47 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $3,760Fees | 0.536%Above | 854 | |
48 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $521Fees | 0.498%Above | 707 | |
49 | NEWREZ LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $2,329Fees | 0.291%Above | 597 | |
50 | Sunflower Bank, National AssociationBank | Strong | Acceptable | Strong | Strong | Strong | $2,803Fees | 0.259%Above | 222 |
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.