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 | Wells Fargo Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $2,224Fees | 0.107%Above | 821 | |
2 | U.S. Bank National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $358Fees | 0.012%Below | 749 | |
3 | Bank of America, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,759Fees | 0.059%Below | 539 | |
4 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,162Fees | 0.543%Below | 671 | |
5 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,741Fees | 0.227%Above | 830 | |
6 | BMO Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,227Fees | 0.150%Above | 308 | |
7 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,154Fees | 0.132%Above | 13,305 | |
8 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,112Fees | 0.188%Above | 7,545 | |
9 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,562Fees | 0.190%Above | 1,795 | |
10 | Nations Lending CorporationIndependent Mortgage Company | Exceptional | Strong | Strong | Strong | Strong | $2,228Fees | 0.264%Above | 519 | |
11 | Zions Bancorporation, N.A.Bank | Exceptional | Strong | Exceptional | Sound | Strong | $1,593Fees | 0.132%Above | 224 | |
12 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Exceptional | $1,533Fees | 0.400%Below | 3,134 | |
13 | NOVA FINANCIAL & INVESTMENT CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $2,299Fees | 0.363%Above | 2,769 | |
14 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,061Fees | 0.028%Above | 942 | |
15 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,894Fees | 0.180%Above | 881 | |
16 | Bell BankBank | Strong | Sound | Exceptional | Strong | Strong | $3,340Fees | 0.374%Above | 735 | |
17 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,906Fees | 0.423%Above | 644 | |
18 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,432Fees | 0.305%Above | 588 | |
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 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,451Fees | 0.478%Above | 2,267 | |
22 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,503Fees | 0.294%Above | 1,080 | |
23 | ALTITUDE FINANCIAL CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Sound | Exceptional | $1,878Fees | 0.290%Above | 881 | |
24 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $2,575Fees | 0.351%Above | 422 | |
25 | OneAZ Credit UnionCredit Union | Strong | Sound | Strong | Sound | Exceptional | $933Fees | 0.179%Above | 408 | |
26 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $3,206Fees | 0.697%Above | 386 | |
27 | V.I.P. MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $3,382Fees | 0.448%Above | 2,318 | |
28 | Plains Commerce BankBank | Strong | Acceptable | Exceptional | Sound | Exceptional | $3,252Fees | 0.220%Above | 902 | |
29 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,641Fees | 0.189%Above | 635 | |
30 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Strong | Sound | Acceptable | Strong | $2,641Fees | 0.099%Above | 391 | |
31 | VANTAGE WESTCredit Union | Strong | Sound | Strong | Sound | Strong | $1,553Fees | 0.098%Below | 216 | |
32 | NFM, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $2,723Fees | 0.709%Below | 1,023 | |
33 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $3,760Fees | 0.536%Above | 854 | |
34 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $2,926Fees | 0.398%Above | 830 | |
35 | NEWREZ LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $2,329Fees | 0.291%Above | 597 | |
36 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $2,800Fees | 0.401%Above | 247 | |
37 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Sound | Exceptional | $4,319Fees | 0.634%Above | 1,160 | |
38 | MORIA DEVELOPMENT, INC.Independent Mortgage Company | Strong | Mediocre | Strong | Strong | Exceptional | $4,435Fees | 0.510%Above | 667 | |
39 | HOMEOWNERS FINANCIAL GROUP USA, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Sound | Exceptional | $3,219Fees | 0.371%Above | 663 | |
40 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $3,555Fees | 0.284%Above | 387 | |
41 | Waterstone Mortgage CorporationIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $4,756Fees | 0.418%Above | 367 | |
42 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $2,694Fees | 0.296%Above | 311 | |
43 | DEFINE MORTGAGE SOLUTIONS, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $3,098Fees | 0.364%Above | 263 | |
44 | Sunflower Bank, National AssociationBank | Strong | Acceptable | Strong | Sound | Strong | $2,803Fees | 0.259%Above | 222 | |
45 | Flagstar Bank, N.A.Bank | Sound | Mediocre | Exceptional | Sound | Strong | $2,963Fees | 0.334%Above | 823 | |
46 | ZILLOW HOME LOANS, LLCIndependent Mortgage Company | Sound | Sound | Sound | Mediocre | Strong | $3,045Fees | 0.332%Above | 673 | |
47 | OCMBC, INC.Independent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $4,674Fees | 0.506%Above | 241 | |
48 | ON Q FINANCIAL, LLCIndependent Mortgage Company | Sound | Acceptable | Strong | Acceptable | Strong | $2,576Fees | 0.076%Below | 237 | |
49 | DIRECT MORTGAGE LOANS, LLCIndependent Mortgage Company | Sound | Mediocre | Sound | Exceptional | Strong | $4,202Fees | 0.490%Above | 212 | |
50 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Sound | Mediocre | Strong | Sound | Strong | $3,454Fees | 0.283%Above | 254 |
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.