Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | RANDOLPH-BROOKS FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Exceptional | $326Fees | 0.171%Above | 418 | |
2 | Wells Fargo Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $2,582Fees | 0.076%Below | 193 | |
3 | Bank of America, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,640Fees | 0.155%Below | 185 | |
4 | U.S. Bank National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $595Fees | 0.106%Below | 183 | |
5 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $817Fees | 0.487%Below | 137 | |
6 | Frost BankBank | Exceptional | Exceptional | Strong | Strong | Strong | $311Credit | 0.471%Below | 91 | |
7 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,951Fees | 0.005%Below | 150 | |
8 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,008Fees | 0.010%Below | 2,666 | |
9 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,690Fees | 0.155%Below | 1,568 | |
10 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,150Fees | 0.269%Above | 1,422 | |
11 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,355Fees | 0.003%Below | 784 | |
12 | HOME FINANCING UNLIMITED, INC.Independent Mortgage Company | Exceptional | Strong | — | Strong | Exceptional | $2,474Fees | 0.579%Below | 432 | |
13 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,569Fees | 0.064%Below | 398 | |
14 | TEXAS MORTGAGE LENDING, LLCIndependent Mortgage Company | Exceptional | Strong | Strong | Strong | Strong | $2,474Fees | 0.248%Above | 71 | |
15 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,883Fees | 0.150%Above | 286 | |
16 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,040Fees | 0.074%Below | 270 | |
17 | SWBC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,562Fees | 0.098%Above | 124 | |
18 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,536Fees | 0.270%Above | 783 | |
19 | UNIVERSITY Federal Credit UnionCredit Union | Strong | Sound | Strong | Sound | Exceptional | $3,524Fees | 0.040%Above | 755 | |
20 | VeraBank, National AssociationBank | Strong | Sound | Strong | Strong | Strong | $1,080Fees | 0.591%Above | 140 | |
21 | OriginPoint, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $3,109Fees | 0.172%Above | 101 | |
22 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $2,847Fees | 0.058%Above | 88 | |
23 | First United Bank and Trust CompanyBank | Strong | Acceptable | Exceptional | Sound | Exceptional | $1,900Fees | 0.237%Above | 525 | |
24 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,230Fees | 0.293%Above | 328 | |
25 | CORNERSTONE CAPITAL BANK, SSBBank | Strong | Acceptable | Exceptional | Strong | Strong | $3,623Fees | 0.162%Above | 235 | |
26 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,700Fees | 0.420%Above | 216 | |
27 | NexBankBank | Strong | Acceptable | Exceptional | Strong | Strong | $2,812Fees | 0.151%Above | 182 | |
28 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,417Fees | 0.234%Above | 166 | |
29 | LOANPEOPLE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Exceptional | $3,362Fees | 0.090%Above | 699 | |
30 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $4,665Fees | 0.355%Above | 188 | |
31 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $3,468Fees | 0.419%Above | 173 | |
32 | Prosperity BankBank | Strong | Acceptable | Exceptional | Sound | Strong | $1,416Fees | 0.340%Above | 86 | |
33 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $1,639Fees | 0.080%Above | 295 | |
34 | Cadence BankBank | Strong | Mediocre | Exceptional | Strong | Strong | $2,309Fees | 0.119%Below | 208 | |
35 | EVERETT FINANCIAL, INC.Independent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $3,886Fees | 0.536%Above | 242 | |
36 | Flagstar Bank, N.A.Bank | Sound | Mediocre | Exceptional | Sound | Strong | $2,371Fees | 0.171%Above | 198 | |
37 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $4,864Fees | 0.490%Above | 102 | |
38 | NEXERA HOLDING LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $4,821Fees | 1.256%Above | 71 |
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.