Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | U.S. Bank National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $635Fees | 0.038%Below | 832 | |
2 | Wells Fargo Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $2,368Fees | 0.003%Above | 470 | |
3 | Bank of America, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,199Fees | 0.159%Below | 370 | |
4 | Morgan Stanley Private Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $246Fees | 0.469%Below | 227 | |
5 | ENT Credit UnionCredit Union | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,678Fees | 0.206%Below | 1,664 | |
6 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,615Fees | 0.070%Above | 1,267 | |
7 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,142Fees | 0.594%Below | 557 | |
8 | MEGASTAR FINANCIAL CORP.Independent Mortgage Company | Exceptional | Exceptional | Strong | Sound | Strong | $6,201Credit | 0.287%Above | 408 | |
9 | BMO Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,394Fees | 0.080%Above | 286 | |
10 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,893Fees | 0.036%Above | 12,892 | |
11 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,725Fees | 0.126%Above | 5,153 | |
12 | FirstBankBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,171Fees | 0.294%Below | 881 | |
13 | Zions Bancorporation, N.A.Bank | Exceptional | Strong | Exceptional | Sound | Strong | $1,785Fees | 0.146%Below | 240 | |
14 | Charles Schwab Bank, SSBBank | Exceptional | Sound | Exceptional | Exceptional | Strong | $836Fees | 0.240%Below | 173 | |
15 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Exceptional | $2,830Fees | 0.003%Above | 1,535 | |
16 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $2,182Fees | 0.055%Above | 1,207 | |
17 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,189Fees | 0.128%Above | 972 | |
18 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,535Fees | 0.391%Above | 841 | |
19 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,990Fees | 0.133%Below | 810 | |
20 | First Western Trust BankBank | Strong | Sound | Strong | Strong | Exceptional | $1,616Fees | 0.076%Above | 599 | |
21 | The Central Trust BankBank | Strong | Sound | Exceptional | Strong | Strong | $2,190Fees | 0.107%Above | 554 | |
22 | SWBC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,535Fees | 0.238%Above | 446 | |
23 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,749Fees | 0.113%Above | 263 | |
24 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,497Fees | 0.323%Above | 2,693 | |
25 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,829Fees | 0.395%Above | 1,986 | |
26 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,914Fees | 0.400%Above | 1,933 | |
27 | ELEVATIONSCredit Union | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,018Fees | 0.167%Above | 1,642 | |
28 | NOVA FINANCIAL & INVESTMENT CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $1,886Fees | 0.348%Above | 413 | |
29 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $2,650Fees | 0.246%Above | 367 | |
30 | Alpine BankBank | Strong | Strong | Sound | Sound | Strong | $1,466Fees | 0.135%Above | 224 | |
31 | NMSI, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,483Fees | 0.150%Above | 202 | |
32 | OriginPoint, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $3,285Fees | 0.338%Above | 168 | |
33 | V.I.P. MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $4,141Fees | 0.280%Above | 1,214 | |
34 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,050Fees | 0.143%Above | 844 | |
35 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Strong | Sound | — | Strong | Strong | $1,273Fees | 0.470%Above | 590 | |
36 | Synergy One Lending, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,648Fees | 0.238%Above | 552 | |
37 | CANVAS CREDIT UNIONCredit Union | Strong | Acceptable | Strong | Strong | Exceptional | $1,346Fees | 0.206%Above | 529 | |
38 | Bank of ColoradoBank | Strong | Acceptable | Strong | Strong | Exceptional | $3,367Fees | 0.199%Above | 518 | |
39 | BOKF, National AssociationBank | Strong | Acceptable | Exceptional | Strong | Strong | $1,081Fees | 0.251%Above | 514 | |
40 | The Huntington National BankBank | Strong | Acceptable | Exceptional | Strong | Strong | $1,512Fees | 0.129%Above | 501 | |
41 | CORNERSTONE CAPITAL BANK, SSBBank | Strong | Acceptable | Exceptional | Strong | Strong | $4,422Fees | 0.407%Above | 394 | |
42 | NBH BankBank | Strong | Sound | Strong | Sound | Strong | $2,214Fees | 0.237%Above | 345 | |
43 | NBKC BANKBank | Strong | Sound | Strong | Sound | Strong | $444Fees | 0.294%Below | 207 | |
44 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,648Fees | 0.323%Above | 171 | |
45 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $3,830Fees | 0.422%Above | 1,035 | |
46 | NEWREZ LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $2,825Fees | 0.204%Above | 742 | |
47 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $3,367Fees | 0.386%Above | 484 | |
48 | Plains Commerce BankBank | Strong | Acceptable | Exceptional | Sound | Strong | $2,998Fees | 0.085%Above | 416 | |
49 | GROUP MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Sound | Strong | Exceptional | $4,296Fees | 0.194%Above | 327 | |
50 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $3,078Fees | 0.232%Above | 300 |
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.