Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | MEGASTAR FINANCIAL CORP.Independent Mortgage Company | Exceptional | Exceptional | Strong | Strong | $6,201Credit | 0.287%Above | 408 | |
2 | Morgan Stanley Private Bank, National AssociationBank | Exceptional | Exceptional | Strong | Strong | $246Fees | 0.469%Below | 227 | |
3 | ENT Credit UnionCredit Union | Exceptional | Strong | Strong | Exceptional | $1,678Fees | 0.206%Below | 1,664 | |
4 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Sound | Strong | $1,142Fees | 0.594%Below | 557 | |
5 | PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company | Exceptional | Exceptional | Sound | Strong | $1,257Fees | 0.114%Below | 463 | |
6 | NBKC BANKBank | Exceptional | Exceptional | Sound | Strong | $444Fees | 0.294%Below | 207 | |
7 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $2,893Fees | 0.036%Above | 12,892 | |
8 | U.S. Bank National AssociationBank | Strong | Strong | Strong | Strong | $635Fees | 0.038%Below | 832 | |
9 | The Huntington National BankBank | Strong | Strong | Strong | Strong | $1,512Fees | 0.129%Above | 501 | |
10 | Bank of America, National AssociationBank | Strong | Strong | Strong | Strong | $1,199Fees | 0.159%Below | 370 | |
11 | JET HOMELOANS, LPIndependent Mortgage Company | Strong | Strong | Strong | Strong | $2,390Fees | 0.261%Below | 235 | |
12 | ELEVATIONSCredit Union | Strong | Sound | Strong | Exceptional | $1,018Fees | 0.167%Above | 1,642 | |
13 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | $2,830Fees | 0.003%Above | 1,535 | |
14 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Sound | Strong | Exceptional | $2,615Fees | 0.070%Above | 1,267 | |
15 | First Western Trust BankBank | Strong | Sound | Strong | Exceptional | $1,616Fees | 0.076%Above | 599 | |
16 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | $2,870Fees | 0.370%Above | 593 | |
17 | CANVAS CREDIT UNIONCredit Union | Strong | Sound | Strong | Exceptional | $1,346Fees | 0.206%Above | 529 | |
18 | Wells Fargo Bank, National AssociationBank | Strong | Strong | Sound | Strong | $2,368Fees | 0.003%Above | 470 | |
19 | NEST HOME LENDING, LLCIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | $4,285Fees | 0.426%Below | 433 | |
20 | KEYSTONE FUNDING, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | $1,649Fees | 0.087%Above | 290 | |
21 | Zions Bancorporation, N.A.Bank | Strong | Strong | Sound | Strong | $1,785Fees | 0.146%Below | 240 | |
22 | Alpine BankBank | Strong | Strong | Sound | Strong | $1,466Fees | 0.135%Above | 224 | |
23 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,725Fees | 0.126%Above | 5,153 | |
24 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,497Fees | 0.323%Above | 2,693 | |
25 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,829Fees | 0.395%Above | 1,986 | |
26 | V.I.P. MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $4,141Fees | 0.280%Above | 1,214 | |
27 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Strong | $2,182Fees | 0.055%Above | 1,207 | |
28 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Strong | $2,351Fees | 0.112%Below | 937 | |
29 | FirstBankBank | Strong | Sound | Sound | Exceptional | $1,171Fees | 0.294%Below | 881 | |
30 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $1,990Fees | 0.133%Below | 810 | |
31 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $3,375Fees | 0.221%Above | 609 | |
32 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | $1,273Fees | 0.470%Above | 590 | |
33 | The Central Trust BankBank | Strong | Sound | Strong | Strong | $2,190Fees | 0.107%Above | 554 | |
34 | NBH BankBank | Strong | Sound | Strong | Strong | $2,214Fees | 0.237%Above | 345 | |
35 | Northpointe BankBank | Strong | Sound | Strong | Strong | $3,812Fees | 0.124%Above | 272 | |
36 | M2 LENDING SOLUTIONS, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $2,258Fees | 0.196%Above | 244 | |
37 | ALLIED MORTGAGE GROUP, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | $1,984Fees | 0.301%Above | 216 | |
38 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $3,914Fees | 0.400%Above | 1,933 | |
39 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $2,890Fees | 0.215%Above | 1,121 | |
40 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,189Fees | 0.128%Above | 972 | |
41 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,535Fees | 0.391%Above | 841 | |
42 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,631Fees | 0.107%Above | 626 | |
43 | SWBC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $1,535Fees | 0.238%Above | 446 | |
44 | NOVA FINANCIAL & INVESTMENT CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $1,886Fees | 0.348%Above | 413 | |
45 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Sound | Strong | $1,288Fees | 0.033%Above | 389 | |
46 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $1,880Fees | 0.202%Above | 344 | |
47 | GROUP MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $4,296Fees | 0.194%Above | 327 | |
48 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,749Fees | 0.113%Above | 263 | |
49 | PLANET HOME LENDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,750Fees | 0.160%Above | 238 | |
50 | NMSI, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $1,483Fees | 0.150%Above | 202 |
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.