Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company | Exceptional | Exceptional | Exceptional | Sound | Exceptional | $165Fees | 0.216%Below | 1,233 | |
2 | RANDOLPH-BROOKS FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Strong | Strong | $422Fees | 0.117%Below | 175 | |
3 | PRIORITY HOME MORTGAGE, L.P.Independent Mortgage Company | Exceptional | Exceptional | Strong | Sound | Exceptional | $376Fees | 0.063%Below | 591 | |
4 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,015Fees | 0.517%Below | 397 | |
5 | Bank of America, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,639Fees | 0.113%Below | 677 | |
6 | BHOME MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Exceptional | Sound | Sound | Exceptional | $1,049Fees | 0.126%Below | 643 | |
7 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,279Fees | 0.072%Below | 631 | |
8 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,176Fees | 0.050%Above | 1,968 | |
9 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,064Fees | 0.072%Above | 1,855 | |
10 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,270Fees | 0.236%Above | 1,138 | |
11 | Wells Fargo Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $2,125Fees | 0.097%Above | 461 | |
12 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $1,732Fees | 0.065%Above | 6,943 | |
13 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,973Fees | 0.327%Above | 4,582 | |
14 | VELOCIO MORTGAGE L.L.C.Independent Mortgage Company | Strong | Strong | Strong | Sound | Strong | $1,389Fees | 0.656%Below | 462 | |
15 | Cadence BankBank | Strong | Sound | Exceptional | Strong | Strong | $2,583Fees | 0.134%Above | 345 | |
16 | First Horizon BankBank | Strong | Sound | Exceptional | Strong | Strong | $1,527Fees | 0.151%Above | 290 | |
17 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,035Fees | 0.196%Above | 233 | |
18 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Strong | Strong | Sound | Strong | $1,812Fees | 0.062%Above | 167 | |
19 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,632Fees | 0.209%Above | 163 | |
20 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,727Fees | 0.062%Below | 1,526 | |
21 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,857Fees | 0.527%Above | 1,326 | |
22 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,536Fees | 0.118%Above | 1,267 | |
23 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,305Fees | 0.379%Above | 1,139 | |
24 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,854Fees | 0.140%Above | 979 | |
25 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,393Fees | 0.388%Above | 910 | |
26 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,872Fees | 0.320%Above | 837 | |
27 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,364Fees | 0.163%Above | 669 | |
28 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $1,721Fees | 0.006%Above | 628 | |
29 | First United Bank and Trust CompanyBank | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,376Fees | 0.363%Above | 584 | |
30 | NexBankBank | Strong | Sound | Strong | Strong | Strong | $2,630Fees | 0.268%Above | 403 | |
31 | AMERIHOME MORTGAGE COMPANY, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $1,438Fees | 0.078%Above | 360 | |
32 | JET HOMELOANS, LPIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $2,683Fees | 0.259%Above | 300 | |
33 | First Financial Bank, National AssociationBank | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,354Fees | 0.586%Above | 283 | |
34 | HIGHLAND HOMELOANS, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $3,406Fees | 0.213%Below | 231 | |
35 | MATTAMY HOME FUNDING, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $433Fees | 0.360%Above | 184 | |
36 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,054Fees | 0.387%Above | 657 | |
37 | M/I FINANCIAL, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $4,488Fees | 0.128%Above | 642 | |
38 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,133Fees | 0.301%Above | 417 | |
39 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,451Fees | 0.340%Above | 395 | |
40 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,916Fees | 0.440%Above | 368 | |
41 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,943Fees | 0.348%Above | 355 | |
42 | Flagstar Bank, N.A.Bank | Strong | Acceptable | Exceptional | Strong | Strong | $2,486Fees | 0.156%Above | 323 | |
43 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,058Fees | 0.020%Above | 294 | |
44 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,164Fees | 0.350%Above | 288 | |
45 | SWBC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,250Fees | 0.306%Above | 283 | |
46 | Gateway First BankBank | Strong | Acceptable | Exceptional | Strong | Strong | $3,591Fees | 0.444%Above | 251 | |
47 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,601Fees | 0.249%Above | 190 | |
48 | Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,725Fees | 0.150%Above | 175 | |
49 | Plains Commerce BankBank | Strong | Acceptable | Exceptional | Strong | Strong | $3,470Fees | 0.295%Above | 170 | |
50 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,647Fees | 0.829%Above | 156 |
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.