Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | ENT Credit UnionCredit Union | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,678Fees | 0.206%Below | 1,664 | |
2 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,142Fees | 0.594%Below | 557 | |
3 | PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,257Fees | 0.114%Below | 463 | |
4 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $635Fees | 0.038%Below | 832 | |
5 | First Western Trust BankBank | Exceptional | Strong | Strong | Strong | Exceptional | $1,616Fees | 0.076%Above | 599 | |
6 | The Huntington National BankBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,512Fees | 0.129%Above | 501 | |
7 | MEGASTAR FINANCIAL CORP.Independent Mortgage Company | Exceptional | Exceptional | Strong | Sound | Strong | $6,201Credit | 0.287%Above | 408 | |
8 | Bank of America, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,199Fees | 0.159%Below | 370 | |
9 | Morgan Stanley Private Bank, National AssociationBank | Exceptional | Exceptional | Strong | Sound | Strong | $246Fees | 0.469%Below | 227 | |
10 | NBKC BANKBank | Exceptional | Exceptional | Strong | Sound | Strong | $444Fees | 0.294%Below | 207 | |
11 | ELEVATIONSCredit Union | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,018Fees | 0.167%Above | 1,642 | |
12 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,830Fees | 0.003%Above | 1,535 | |
13 | Wells Fargo Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $2,368Fees | 0.003%Above | 470 | |
14 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,893Fees | 0.036%Above | 12,892 | |
15 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,725Fees | 0.126%Above | 5,153 | |
16 | V.I.P. MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,141Fees | 0.280%Above | 1,214 | |
17 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $2,182Fees | 0.055%Above | 1,207 | |
18 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,375Fees | 0.221%Above | 609 | |
19 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,870Fees | 0.370%Above | 593 | |
20 | The Central Trust BankBank | Strong | Sound | Exceptional | Strong | Strong | $2,190Fees | 0.107%Above | 554 | |
21 | BOKF, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $1,081Fees | 0.251%Above | 514 | |
22 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Strong | Strong | Sound | Strong | $1,288Fees | 0.033%Above | 389 | |
23 | BMO Bank National AssociationBank | Strong | Strong | Strong | Sound | Strong | $1,394Fees | 0.080%Above | 286 | |
24 | Northpointe BankBank | Strong | Sound | Exceptional | Strong | Strong | $3,812Fees | 0.124%Above | 272 | |
25 | Zions Bancorporation, N.A.Bank | Strong | Strong | Strong | Sound | Strong | $1,785Fees | 0.146%Below | 240 | |
26 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,077Fees | 0.172%Above | 223 | |
27 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,497Fees | 0.323%Above | 2,693 | |
28 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,829Fees | 0.395%Above | 1,986 | |
29 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,914Fees | 0.400%Above | 1,933 | |
30 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,615Fees | 0.070%Above | 1,267 | |
31 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,890Fees | 0.215%Above | 1,121 | |
32 | FirstBankBank | Strong | Sound | Strong | Sound | Exceptional | $1,171Fees | 0.294%Below | 881 | |
33 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $1,990Fees | 0.133%Below | 810 | |
34 | JET HOMELOANS, LPIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $2,390Fees | 0.261%Below | 235 | |
35 | Charles Schwab Bank, SSBBank | Strong | Sound | Strong | Strong | Strong | $836Fees | 0.240%Below | 173 | |
36 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,189Fees | 0.128%Above | 972 | |
37 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,050Fees | 0.143%Above | 844 | |
38 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,535Fees | 0.391%Above | 841 | |
39 | PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,600Fees | 0.382%Above | 558 | |
40 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,367Fees | 0.386%Above | 484 | |
41 | SWBC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,535Fees | 0.238%Above | 446 | |
42 | Plains Commerce BankBank | Strong | Acceptable | Exceptional | Strong | Strong | $2,998Fees | 0.085%Above | 416 | |
43 | NOVA FINANCIAL & INVESTMENT CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,886Fees | 0.348%Above | 413 | |
44 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,470Fees | 0.195%Above | 412 | |
45 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,880Fees | 0.202%Above | 344 | |
46 | GROUP MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $4,296Fees | 0.194%Above | 327 | |
47 | TOWNE MORTGAGE COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,066Fees | 0.112%Above | 317 | |
48 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,078Fees | 0.232%Above | 300 | |
49 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,749Fees | 0.113%Above | 263 | |
50 | Flagstar Bank, N.A.Bank | Strong | Acceptable | Exceptional | Strong | Strong | $2,992Fees | 0.150%Above | 252 |
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.