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 | Exceptional | Strong | Strong | Exceptional | $1,678Fees | 0.206%Below | 1,664 | |
2 | JET HOMELOANS, LPIndependent Mortgage Company | Exceptional | Exceptional | Strong | Exceptional | Strong | $2,390Fees | 0.261%Below | 235 | |
3 | MEGASTAR FINANCIAL CORP.Independent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Strong | $6,201Credit | 0.287%Above | 408 | |
4 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,893Fees | 0.036%Above | 12,892 | |
5 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,351Fees | 0.112%Below | 937 | |
6 | First Western Trust BankBank | Exceptional | Strong | Strong | Strong | Exceptional | $1,616Fees | 0.076%Above | 599 | |
7 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,870Fees | 0.370%Above | 593 | |
8 | The Huntington National BankBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,512Fees | 0.129%Above | 501 | |
9 | NBKC BANKBank | Exceptional | Exceptional | Strong | Sound | Strong | $444Fees | 0.294%Below | 207 | |
10 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,648Fees | 0.323%Above | 171 | |
11 | ELEVATIONSCredit Union | Exceptional | Strong | Sound | 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 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $635Fees | 0.038%Below | 832 | |
14 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $1,990Fees | 0.133%Below | 810 | |
15 | SWBC MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,535Fees | 0.238%Above | 446 | |
16 | NEST HOME LENDING, LLCIndependent Mortgage Company | Exceptional | Sound | Strong | Exceptional | Exceptional | $4,285Fees | 0.426%Below | 433 | |
17 | NBH BankBank | Exceptional | Strong | Strong | Strong | Strong | $2,214Fees | 0.237%Above | 345 | |
18 | TOWNE MORTGAGE COMPANYIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,066Fees | 0.112%Above | 317 | |
19 | KEYSTONE FUNDING, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,649Fees | 0.087%Above | 290 | |
20 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,725Fees | 0.126%Above | 5,153 | |
21 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,829Fees | 0.395%Above | 1,986 | |
22 | V.I.P. MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,141Fees | 0.280%Above | 1,214 | |
23 | AMERICAN FINANCING CORPORATIONIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Exceptional | $5,836Fees | 0.040%Above | 1,111 | |
24 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,050Fees | 0.143%Above | 844 | |
25 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,273Fees | 0.470%Above | 590 | |
26 | The Central Trust BankBank | Strong | Sound | Exceptional | Strong | Strong | $2,190Fees | 0.107%Above | 554 | |
27 | Plains Commerce BankBank | Strong | Sound | Exceptional | Strong | Strong | $2,998Fees | 0.085%Above | 416 | |
28 | NOVA FINANCIAL & INVESTMENT CORPORATIONIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,886Fees | 0.348%Above | 413 | |
29 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,078Fees | 0.232%Above | 300 | |
30 | Northpointe BankBank | Strong | Sound | Exceptional | Strong | Strong | $3,812Fees | 0.124%Above | 272 | |
31 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $2,992Fees | 0.150%Above | 252 | |
32 | RESICENTRAL, LLCIndependent Mortgage Company | Strong | Strong | Strong | Sound | Strong | $1,057Fees | 0.074%Above | 240 | |
33 | PLANET HOME LENDING, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,750Fees | 0.160%Above | 238 | |
34 | ALLIED MORTGAGE GROUP, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,984Fees | 0.301%Above | 216 | |
35 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,497Fees | 0.323%Above | 2,693 | |
36 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,615Fees | 0.070%Above | 1,267 | |
37 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,890Fees | 0.215%Above | 1,121 | |
38 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $2,825Fees | 0.204%Above | 742 | |
39 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,631Fees | 0.107%Above | 626 | |
40 | CORNERSTONE CAPITAL BANK, SSBBank | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,422Fees | 0.407%Above | 394 | |
41 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,880Fees | 0.202%Above | 344 | |
42 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,749Fees | 0.113%Above | 263 | |
43 | M2 LENDING SOLUTIONS, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $2,258Fees | 0.196%Above | 244 | |
44 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,189Fees | 0.128%Above | 972 | |
45 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,535Fees | 0.391%Above | 841 | |
46 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,375Fees | 0.221%Above | 609 | |
47 | Synergy One Lending, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,648Fees | 0.238%Above | 552 | |
48 | ZILLOW HOME LOANS, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,200Fees | 0.149%Above | 541 | |
49 | Bank of ColoradoBank | Strong | Acceptable | Strong | Strong | Exceptional | $3,367Fees | 0.199%Above | 518 | |
50 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,367Fees | 0.386%Above | 484 |
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.