Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | JET HOMELOANS, LPIndependent Mortgage Company | Exceptional | Exceptional | Exceptional | Exceptional | Strong | $2,390Fees | 0.261%Below | 235 | |
2 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,893Fees | 0.036%Above | 12,892 | |
3 | NBKC BANKBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $444Fees | 0.294%Below | 207 | |
4 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,615Fees | 0.070%Above | 1,267 | |
5 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,142Fees | 0.594%Below | 557 | |
6 | MEGASTAR FINANCIAL CORP.Independent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Strong | $6,201Credit | 0.287%Above | 408 | |
7 | CORNERSTONE CAPITAL BANK, SSBBank | Exceptional | Strong | Exceptional | Exceptional | Strong | $4,422Fees | 0.407%Above | 394 | |
8 | ENT Credit UnionCredit Union | Exceptional | Strong | Strong | Strong | Exceptional | $1,678Fees | 0.206%Below | 1,664 | |
9 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,351Fees | 0.112%Below | 937 | |
10 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $635Fees | 0.038%Below | 832 | |
11 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,990Fees | 0.133%Below | 810 | |
12 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,273Fees | 0.470%Above | 590 | |
13 | The Huntington National BankBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,512Fees | 0.129%Above | 501 | |
14 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,650Fees | 0.246%Above | 367 | |
15 | KIND LENDING, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $3,078Fees | 0.232%Above | 300 | |
16 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,648Fees | 0.323%Above | 171 | |
17 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,830Fees | 0.003%Above | 1,535 | |
18 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $2,182Fees | 0.055%Above | 1,207 | |
19 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,189Fees | 0.128%Above | 972 | |
20 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,535Fees | 0.391%Above | 841 | |
21 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,870Fees | 0.370%Above | 593 | |
22 | SWBC MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,535Fees | 0.238%Above | 446 | |
23 | NEST HOME LENDING, LLCIndependent Mortgage Company | Exceptional | Sound | Strong | Exceptional | Exceptional | $4,285Fees | 0.426%Below | 433 | |
24 | TOWNE MORTGAGE COMPANYIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,066Fees | 0.112%Above | 317 | |
25 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,749Fees | 0.113%Above | 263 | |
26 | USAA Federal Savings BankBank | Exceptional | Strong | Exceptional | Sound | Strong | $2,376Fees | 0.143%Below | 253 | |
27 | RESICENTRAL, LLCIndependent Mortgage Company | Exceptional | Strong | Strong | Strong | Strong | $1,057Fees | 0.074%Above | 240 | |
28 | OriginPoint, LLCIndependent Mortgage Company | Exceptional | Strong | Strong | Strong | Strong | $3,285Fees | 0.338%Above | 168 | |
29 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,725Fees | 0.126%Above | 5,153 | |
30 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,829Fees | 0.395%Above | 1,986 | |
31 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,050Fees | 0.143%Above | 844 | |
32 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,825Fees | 0.204%Above | 742 | |
33 | First Western Trust BankBank | Strong | Sound | Strong | Strong | Exceptional | $1,616Fees | 0.076%Above | 599 | |
34 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,367Fees | 0.386%Above | 484 | |
35 | Plains Commerce BankBank | Strong | Sound | Exceptional | Strong | Strong | $2,998Fees | 0.085%Above | 416 | |
36 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,288Fees | 0.033%Above | 389 | |
37 | KEYSTONE FUNDING, INC.Independent Mortgage Company | Strong | Sound | Strong | Exceptional | Strong | $1,649Fees | 0.087%Above | 290 | |
38 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $2,992Fees | 0.150%Above | 252 | |
39 | PLANET HOME LENDING, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,750Fees | 0.160%Above | 238 | |
40 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,077Fees | 0.172%Above | 223 | |
41 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,497Fees | 0.323%Above | 2,693 | |
42 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,914Fees | 0.400%Above | 1,933 | |
43 | ELEVATIONSCredit Union | Strong | Sound | Strong | Sound | Exceptional | $1,018Fees | 0.167%Above | 1,642 | |
44 | V.I.P. MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,141Fees | 0.280%Above | 1,214 | |
45 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,890Fees | 0.215%Above | 1,121 | |
46 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,631Fees | 0.107%Above | 626 | |
47 | The Central Trust BankBank | Strong | Sound | Strong | Strong | Strong | $2,190Fees | 0.107%Above | 554 | |
48 | NBH BankBank | Strong | Sound | Strong | Strong | Strong | $2,214Fees | 0.237%Above | 345 | |
49 | Northpointe BankBank | Strong | Sound | Strong | Strong | Strong | $3,812Fees | 0.124%Above | 272 | |
50 | American Liberty Mortgage, IncorporatedIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $2,597Fees | 0.236%Above | 228 |
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.