Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | GOOGAIN, INC. Independent Mortgage CompanyDirect | Exceptional | Exceptional | Exceptional | Strong | $754Credit | 0.002%Above | 714 | |
2 | U.S. Bank National Association BankDirect | Strong | Strong | Strong | Exceptional | $820Credit | 0.142%Below | 8,858 | |
3 | Morgan Stanley Private Bank, National Association BankDirect | Strong | Exceptional | Strong | Strong | $305Fees | 0.471%Below | 1,247 | |
4 | STAR ONE Credit Union Credit UnionDirect | Strong | Exceptional | Strong | Strong | $116Credit | 0.643%Below | 591 | |
5 | UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale | Strong | Sound* | Exceptional | Exceptional | $2,807Fees | 0.135%Above | 41,870 | |
6 | Bank of America, National Association BankDirect | Strong | Strong | Strong | Exceptional | $518Credit | 0.287%Below | 5,011 | |
7 | SCHOOLSFIRST Credit UnionDirect | Strong | Strong | Strong | Exceptional | $374Fees | 0.013%Below | 1,736 | |
8 | Citibank, National Association BankDirect | Strong | Exceptional | Sound | Exceptional | $1,742Credit | 0.289%Below | 3,776 | |
9 | NAVY FEDERAL CREDIT UNION Credit UnionDirect | Strong | Exceptional | Sound | Strong | $580Fees | 0.539%Below | 1,546 | |
10 | ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Acceptable* | Exceptional | Exceptional | $3,583Fees | 0.180%Above | 26,634 | |
11 | HSBC BANK USA, NATIONAL ASSOCIATION BankDirect | Strong | Strong | Strong | Exceptional | $1,668Credit | 0.198%Below | 1,592 | |
12 | LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Sound* | Strong | Exceptional | $2,524Fees | 0.036%Above | 6,417 | |
13 | Wells Fargo Bank, National Association BankDirect | Strong | Strong | Sound | Exceptional | $241Fees | 0.196%Below | 6,267 | |
14 | NMSI, INC. Independent Mortgage CompanyWholesale | Strong | Acceptable* | Exceptional | Exceptional | $2,670Fees | 0.276%Above | 2,049 | |
15 | PNC Bank, National Association BankDirect | Strong | Strong | Strong | Strong | $791Credit | 0.009%Above | 1,452 | |
16 | PROVIDENT FUNDING ASSOCIATES, L.P. Independent Mortgage CompanyWholesale | Strong | Exceptional* | Sound | Strong | $927Fees | 0.121%Below | 1,006 | |
17 | JPMorgan Chase Bank, National Association BankDirect & Wholesale | Strong | Sound* | Strong | Exceptional | $2,238Fees | 0.068%Above | 7,658 | |
18 | General Mortgage Capital Corporation Independent Mortgage CompanyDirect | Strong | Sound | Strong | Strong | $1,677Fees | 0.124%Above | 951 | |
19 | BMO Bank National Association BankDirect | Strong | Sound | Sound | Exceptional | $405Credit | 0.030%Below | 2,800 | |
20 | PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Sound* | Strong | Exceptional | $1,574Fees | 0.078%Above | 3,610 | |
21 | THE LOAN STORE, INC. Independent Mortgage CompanyWholesale | Strong | Acceptable* | Strong | Exceptional | $2,442Fees | 0.279%Above | 3,591 | |
22 | FREEDOM MORTGAGE CORPORATION Independent Mortgage CompanyDirect & Wholesale | Strong | Sound* | Strong | Strong | $2,563Fees | 0.013%Above | 2,227 | |
23 | KIND LENDING, LLC Independent Mortgage CompanyWholesale | Strong | Acceptable* | Strong | Exceptional | $3,199Fees | 0.335%Above | 3,338 | |
24 | AMWEST FUNDING CORP. Independent Mortgage CompanyWholesale | Strong | — | Strong | Exceptional | — | — | 2,519 | |
25 | THE GOLDEN 1 Credit UnionDirect | Strong | Sound | Sound | Exceptional | $264Credit | 0.044%Above | 1,163 | |
26 | ARK-LA-TEX FINANCIAL SERVICES, LLC. Independent Mortgage CompanyDirect & Wholesale | Strong | Sound* | Exceptional | Strong | $2,938Fees | 0.315%Above | 637 | |
27 | CMG MORTGAGE, INC. Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Exceptional | $2,918Fees | 0.201%Above | 2,821 | |
28 | Flagstar Bank, N.A. BankDirect & Wholesale | Strong | Acceptable* | Strong | Exceptional | $2,818Fees | 0.246%Above | 2,514 | |
29 | Sierra Pacific Mortgage Company, Inc. Independent Mortgage CompanyDirect & Wholesale | Strong | Acceptable* | Strong | Exceptional | $4,493Fees | 0.251%Above | 2,398 | |
30 | First-Citizens Bank & Trust Company BankDirect | Strong | Strong | Strong | Strong | $551Credit | 0.117%Below | 660 | |
31 | Zions Bancorporation, N.A. BankDirect | Strong | Strong | Sound | Strong | $1,167Fees | 0.201%Below | 634 | |
32 | FIRST COLONY MORTGAGE CORPORATION Independent Mortgage CompanyDirect & Wholesale | Strong | Sound* | Exceptional | Strong | $2,295Fees | 0.151%Above | 598 | |
33 | GUARANTEED RATE, INC. Independent Mortgage CompanyDirect | Strong | Sound | Strong | Exceptional | $2,308Fees | 0.142%Above | 4,046 | |
34 | GOLDEN EMPIRE MORTGAGE, INC. Independent Mortgage CompanyDirect | Strong | Mediocre | Exceptional | Exceptional | $4,902Fees | 0.361%Above | 2,371 | |
35 | MOVEMENT MORTGAGE, LLC Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Strong | $2,852Fees | 0.324%Above | 1,883 | |
36 | GUILD MORTGAGE COMPANY LLC Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Exceptional | $4,777Fees | 0.321%Above | 3,038 | |
37 | INSPIRE HOME LOANS INC. Independent Mortgage CompanyDirect | Strong | Sound | Strong | Strong | $2,214Fees | 0.536%Above | 683 | |
38 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Strong | $4,187Fees | 0.393%Above | 2,207 | |
39 | FRANKLIN LOAN CORPORATION Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Exceptional | $3,531Fees | 0.445%Above | 1,042 | |
40 | RESICENTRAL, LLC Independent Mortgage CompanyWholesale | Strong | Sound* | Sound | Strong | $1,357Fees | 0.170%Above | 738 | |
41 | CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect | Strong | Acceptable | Strong | Exceptional | $3,608Fees | 0.430%Above | 6,498 | |
42 | AMERICAN PACIFIC MORTGAGE CORPORATION Independent Mortgage CompanyDirect | Strong | Mediocre | Exceptional | Exceptional | $4,461Fees | 0.438%Above | 3,541 | |
43 | Paramount Residential Mortgage Group, Inc. Independent Mortgage CompanyDirect & Wholesale | Strong | Acceptable* | Strong | Exceptional | $3,725Fees | 0.420%Above | 2,887 | |
44 | Charles Schwab Bank, SSB BankWholesale | Strong | Acceptable* | Strong | Strong | $633Fees | 0.277%Below | 821 | |
45 | NATIONS DIRECT MORTGAGE, LLC Independent Mortgage CompanyWholesale | Strong | Acceptable* | Strong | Strong | $3,193Fees | 0.407%Above | 642 | |
46 | ALAMEDA MORTGAGE CORPORATION Independent Mortgage CompanyDirect | Strong | Mediocre | Exceptional | Exceptional | $4,554Fees | 0.492%Above | 1,702 | |
47 | PRIMELENDING, A PLAINSCAPITAL COMPANY Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Strong | $4,972Fees | 0.349%Above | 978 | |
48 | BAY EQUITY LLC Independent Mortgage CompanyDirect | Strong | Sound | Strong | Strong | $2,745Fees | 0.185%Above | 824 | |
49 | City National Bank BankDirect | Strong | Sound | Sound | Strong | $2,580Fees | 0.021%Above | 699 | |
50 | NexBank BankWholesale | Sound | Sound* | Strong | Strong | $1,429Fees | 0.399%Above | 602 |
Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.
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.
⚖️ Licensing & Disclosures
Lender rankings and market statistics are created by Dylan Hall, licensed mortgage loan officer (NMLS #1658740). Safe Rate is a mortgage technology platform; mortgage lending services are provided by PartnerOwn LLC dba Safe Rate Mortgage, a licensed mortgage broker and lender (NMLS #1590949). Safe Rate Mortgage is a lending partner of some of the lenders ranked on this page, and Safe Rate Inc. has software or service customers on this list; however, all rankings are calculated using objective, public Home Mortgage Disclosure Act (HMDA) datasets, completely independent of any corporate partnerships, client relationships, or compensation.