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 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $141Credit | 0.420%Below | 57 | |
2 | VALLEY STRONG CREDIT UNIONCredit Union | Exceptional | Exceptional | Sound | Sound | Exceptional | $2,232Fees | 0.768%Below | 115 | |
3 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Sound | $2,478Fees | 0.059%Above | 56 | |
4 | Bank of America, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Sound | $2,026Fees | 0.263%Above | 21 | |
5 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,687Fees | 0.209%Above | 1,383 | |
6 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,270Fees | 0.320%Above | 841 | |
7 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,174Fees | 0.052%Below | 180 | |
8 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $3,620Fees | 0.217%Above | 151 | |
9 | Wells Fargo Bank, National AssociationBank | Strong | Strong | Exceptional | Sound | Sound | $1,727Fees | 0.061%Above | 45 | |
10 | AltaOne Federal Credit UnionCredit Union | Strong | Exceptional | Acceptable | Sound | Strong | $1,784Fees | 0.028%Above | 36 | |
11 | SCHOOLSFIRSTCredit Union | Strong | Strong | Strong | Strong | Sound | $398Fees | 0.184%Above | 21 | |
12 | Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $5,558Fees | 0.386%Above | 285 | |
13 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,414Fees | 0.407%Above | 242 | |
14 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $2,709Fees | 0.190%Above | 99 | |
15 | MLD MORTGAGE INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $4,213Fees | 0.477%Above | 78 | |
16 | Nations Lending CorporationIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,477Fees | 0.345%Above | 74 | |
17 | POINT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $3,811Fees | 0.183%Above | 70 | |
18 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $3,428Fees | 0.331%Above | 30 | |
19 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $3,126Fees | 0.757%Above | 27 | |
20 | DIGNIFIED HOME LOANS, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $4,806Fees | 0.518%Above | 173 | |
21 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,513Fees | 0.778%Above | 104 | |
22 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $3,133Fees | 0.232%Above | 97 | |
23 | DAS Acquisition Company, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,328Fees | 0.620%Above | 79 | |
24 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,699Fees | 0.352%Above | 69 | |
25 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,894Fees | 0.582%Above | 66 | |
26 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,128Fees | 0.471%Above | 58 | |
27 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,980Fees | 0.196%Above | 58 | |
28 | Flagstar Bank, N.A.Bank | Strong | Acceptable | Exceptional | Strong | Strong | $3,268Fees | 0.349%Above | 57 | |
29 | GOLDEN EMPIRE MORTGAGE, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $6,122Fees | 0.480%Above | 305 | |
30 | MICHIGAN MUTUAL, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $4,789Fees | 0.188%Above | 106 | |
31 | NEWREZ LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $2,982Fees | 0.399%Above | 75 | |
32 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $3,358Fees | 0.687%Above | 63 | |
33 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $435Fees | 0.309%Above | 52 | |
34 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $4,128Fees | 0.411%Above | 46 | |
35 | GoodLeap, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Sound | $4,069Fees | 0.259%Above | 43 | |
36 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,480Fees | 0.544%Above | 32 | |
37 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,197Fees | 0.403%Above | 31 | |
38 | NMSI, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Exceptional | Sound | $4,089Fees | 0.809%Above | 19 | |
39 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,939Fees | 0.120%Above | 17 | |
40 | MORIA DEVELOPMENT, INC.Independent Mortgage Company | Strong | Mediocre | Strong | Strong | Exceptional | $5,608Fees | 0.566%Above | 330 | |
41 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $5,166Fees | 0.360%Above | 90 | |
42 | PLANET HOME LENDING, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Sound | $4,955Fees | 0.455%Above | 28 | |
43 | USAA Federal Savings BankBank | Strong | Sound | Strong | Acceptable | Sound | $2,616Fees | 0.142%Below | 23 | |
44 | NATIONS DIRECT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Sound | $1,501Fees | 0.553%Above | 18 | |
45 | OCMBC, INC.Independent Mortgage Company | Sound | Mediocre | Strong | Sound | Exceptional | $3,259Fees | 0.675%Above | 216 | |
46 | PEAK RESIDENTIAL LENDING INCIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $4,274Fees | 0.373%Above | 60 | |
47 | JMAC LENDING, INC.Independent Mortgage Company | Sound | Acceptable | Strong | Acceptable | Strong | $5,124Fees | 0.149%Above | 59 | |
48 | ALAMEDA MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $5,046Fees | 0.519%Above | 32 | |
49 | Luminate Home Loans, Inc.Independent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $3,689Fees | 0.744%Above | 27 | |
50 | SUMMIT FUNDING, INC.Independent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $4,782Fees | 0.427%Above | 26 |
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.