Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Bank of America, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,639Fees | 0.113%Below | 677 | |
2 | U.S. Bank National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,279Fees | 0.072%Below | 631 | |
3 | Wells Fargo Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $2,125Fees | 0.097%Above | 461 | |
4 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,854Fees | 0.140%Above | 979 | |
5 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,015Fees | 0.517%Below | 397 | |
6 | RANDOLPH-BROOKS FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $422Fees | 0.117%Below | 175 | |
7 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,732Fees | 0.065%Above | 6,943 | |
8 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,973Fees | 0.327%Above | 4,582 | |
9 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,176Fees | 0.050%Above | 1,968 | |
10 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,727Fees | 0.062%Below | 1,526 | |
11 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,536Fees | 0.118%Above | 1,267 | |
12 | TEXAS MORTGAGE LENDING, LLCIndependent Mortgage Company | Exceptional | Strong | Strong | Strong | Strong | $2,086Fees | 0.150%Above | 265 | |
13 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,721Fees | 0.006%Above | 628 | |
14 | SWBC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,250Fees | 0.306%Above | 283 | |
15 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,857Fees | 0.527%Above | 1,326 | |
16 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,305Fees | 0.379%Above | 1,139 | |
17 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $3,916Fees | 0.440%Above | 368 | |
18 | OriginPoint, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $2,908Fees | 0.268%Above | 237 | |
19 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Exceptional | $4,393Fees | 0.388%Above | 910 | |
20 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Exceptional | $1,364Fees | 0.163%Above | 669 | |
21 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,054Fees | 0.387%Above | 657 | |
22 | First United Bank and Trust CompanyBank | Strong | Acceptable | Exceptional | Sound | Exceptional | $2,376Fees | 0.363%Above | 584 | |
23 | CORNERSTONE CAPITAL BANK, SSBBank | Strong | Acceptable | Exceptional | Strong | Strong | $2,916Fees | 0.050%Below | 470 | |
24 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,133Fees | 0.301%Above | 417 | |
25 | NexBankBank | Strong | Acceptable | Exceptional | Strong | Strong | $2,630Fees | 0.268%Above | 403 | |
26 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,943Fees | 0.348%Above | 355 | |
27 | First Horizon BankBank | Strong | Acceptable | Exceptional | Strong | Strong | $1,527Fees | 0.151%Above | 290 | |
28 | Synergy One Lending, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,623Fees | 0.356%Above | 193 | |
29 | SFMC, LPIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Exceptional | $4,450Fees | 0.340%Above | 1,257 | |
30 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Acceptable | Strong | Sound | Exceptional | $2,270Fees | 0.236%Above | 1,138 | |
31 | AMERICAN PORTFOLIO MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Exceptional | $3,695Fees | 0.445%Above | 1,083 | |
32 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD.Independent Mortgage Company | Strong | Acceptable | Strong | Sound | Exceptional | $4,872Fees | 0.320%Above | 837 | |
33 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $3,612Fees | 0.542%Above | 386 | |
34 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $2,164Fees | 0.350%Above | 288 | |
35 | Prosperity BankBank | Strong | Acceptable | Exceptional | Sound | Strong | $984Fees | 1.093%Above | 275 | |
36 | First BankBank | Strong | Acceptable | Strong | Strong | Strong | $3,821Fees | 0.255%Above | 230 | |
37 | CRESTMARK MORTGAGE COMPANY, LTD.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $3,714Fees | 0.203%Above | 180 | |
38 | EVERETT FINANCIAL, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Sound | Exceptional | $4,376Fees | 0.453%Above | 1,549 | |
39 | Cadence BankBank | Strong | Mediocre | Exceptional | Strong | Strong | $2,583Fees | 0.134%Above | 345 | |
40 | The American National Bank of TexasBank | Strong | Acceptable | Strong | Sound | Strong | $4,264Fees | 0.158%Above | 246 | |
41 | Sunflower Bank, National AssociationBank | Strong | Acceptable | Strong | Sound | Strong | $3,163Fees | 0.276%Above | 167 | |
42 | Flagstar Bank, N.A.Bank | Sound | Mediocre | Exceptional | Sound | Strong | $2,486Fees | 0.156%Above | 323 | |
43 | First Financial Bank, National AssociationBank | Sound | Mediocre | Strong | Strong | Strong | $1,354Fees | 0.586%Above | 283 | |
44 | GARDNER FINANCIAL SERVICES, LTD.Independent Mortgage Company | Sound | Mediocre | Strong | Sound | Strong | $4,964Fees | 0.571%Above | 173 |
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.