Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | First Western Trust BankBank | Exceptional | Strong | Strong | Strong | Strong | $3,942Fees | 0.136%Above | 31 | |
2 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Sound | $1,223Fees | 0.091%Above | 13 | |
3 | First National Bank of OmahaBank | Exceptional | Strong | Exceptional | Strong | Sound | $1,383Fees | 0.504%Above | 11 | |
4 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,217Fees | 0.108%Above | 167 | |
5 | Wells Fargo Bank, National AssociationBank | Strong | Strong | Exceptional | Sound | Sound | $2,940Fees | 0.233%Above | 14 | |
6 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,466Fees | 0.381%Above | 316 | |
7 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,846Fees | 0.431%Above | 117 | |
8 | Jonah Bank of WyomingBank | Strong | Acceptable | Strong | Exceptional | Exceptional | $3,290Fees | 0.153%Below | 110 | |
9 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Sound | $1,695Fees | 0.482%Above | 17 | |
10 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Strong | Strong | Sound | Sound | $3,657Fees | 0.247%Below | 12 | |
11 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $5,827Fees | 0.306%Above | 92 | |
12 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,145Fees | 0.358%Below | 24 | |
13 | Blue Federal Credit UnionCredit Union | Strong | Sound | Sound | Strong | Strong | $4,040Fees | 0.678%Below | 22 | |
14 | Servion, Inc.Independent Mortgage Company | Strong | Sound | Strong | Strong | Sound | $3,915Fees | 0.078%Above | 17 | |
15 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,533Fees | 0.678%Above | 15 | |
16 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,506Fees | 0.218%Above | 11 | |
17 | Wallick & Volk, Inc.Independent Mortgage Company | Strong | Mediocre | Strong | Strong | Exceptional | $3,124Fees | 0.366%Above | 129 | |
18 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $6,062Fees | 0.535%Above | 42 | |
19 | USAA Federal Savings BankBank | Strong | Sound | Strong | Acceptable | Sound | $1,035Fees | 0.267%Below | 22 | |
20 | ANB BankBank | Strong | Sound | Sound | Sound | Sound | $3Credit | 0.031%Below | 12 | |
21 | First Interstate BankBank | Sound | Sound | Sound | Acceptable | Sound | $1,573Fees | 0.384%Above | 10 | |
22 | AMERICAN FINANCING CORPORATIONIndependent Mortgage Company | Sound | Acceptable | Strong | Acceptable | Sound | $3,735Fees | 0.133%Above | 12 | |
23 | CENTENNIAL LENDING, LLCIndependent Mortgage Company | Sound | Acceptable | Acceptable | Acceptable | Strong | $3,804Fees | 0.023%Below | 27 |
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.