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 | Strong | Exceptional | Strong | Exceptional | $1,475Fees | 0.234%Below | 366 | |
2 | PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,076Fees | 0.105%Below | 287 | |
3 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,228Fees | 0.609%Below | 231 | |
4 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $598Fees | 0.060%Below | 447 | |
5 | The Huntington National BankBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,351Fees | 0.099%Above | 322 | |
6 | MEGASTAR FINANCIAL CORP.Independent Mortgage Company | Exceptional | Exceptional | Strong | Sound | Strong | $6,153Credit | 0.239%Above | 264 | |
7 | Bank of America, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,273Fees | 0.153%Below | 254 | |
8 | NBKC BANKBank | Exceptional | Exceptional | Strong | Sound | Strong | $496Fees | 0.264%Below | 118 | |
9 | Morgan Stanley Private Bank, National AssociationBank | Exceptional | Exceptional | Strong | Sound | Strong | $193Fees | 0.478%Below | 116 | |
10 | ELEVATIONSCredit Union | Exceptional | Sound | Exceptional | Strong | Exceptional | $943Fees | 0.193%Above | 702 | |
11 | Wells Fargo Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $2,240Fees | 0.002%Below | 242 | |
12 | First Western Trust BankBank | Exceptional | Strong | Strong | Strong | Strong | $939Fees | 0.009%Above | 197 | |
13 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,823Fees | 0.085%Above | 6,898 | |
14 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,433Fees | 0.104%Above | 2,715 | |
15 | V.I.P. MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,283Fees | 0.296%Above | 837 | |
16 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,867Fees | 0.080%Below | 752 | |
17 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $2,086Fees | 0.033%Above | 751 | |
18 | BOKF, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $1,294Fees | 0.273%Above | 230 | |
19 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Strong | Strong | Sound | Strong | $1,305Fees | 0.034%Above | 226 | |
20 | M2 LENDING SOLUTIONS, LLCIndependent Mortgage Company | Strong | Strong | Sound | Sound | Exceptional | $2,230Fees | 0.172%Above | 225 | |
21 | BMO Bank National AssociationBank | Strong | Strong | Strong | Sound | Strong | $1,524Fees | 0.053%Above | 203 | |
22 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,324Fees | 0.117%Above | 185 | |
23 | Northpointe BankBank | Strong | Sound | Exceptional | Strong | Strong | $4,078Fees | 0.049%Above | 147 | |
24 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,120Fees | 0.047%Above | 121 | |
25 | Zions Bancorporation, N.A.Bank | Strong | Strong | Strong | Sound | Strong | $2,274Fees | 0.228%Below | 108 | |
26 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,203Fees | 0.315%Above | 1,279 | |
27 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,844Fees | 0.359%Above | 1,086 | |
28 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,827Fees | 0.402%Above | 1,009 | |
29 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,804Fees | 0.227%Above | 624 | |
30 | FirstBankBank | Strong | Sound | Strong | Sound | Exceptional | $1,182Fees | 0.307%Below | 493 | |
31 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $1,656Fees | 0.086%Below | 382 | |
32 | JET HOMELOANS, LPIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $2,686Fees | 0.165%Below | 140 | |
33 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,092Fees | 0.064%Above | 547 | |
34 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,531Fees | 0.408%Above | 546 | |
35 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,977Fees | 0.133%Above | 512 | |
36 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,040Fees | 0.135%Above | 493 | |
37 | NOVA FINANCIAL & INVESTMENT CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,749Fees | 0.367%Above | 316 | |
38 | SWBC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,573Fees | 0.189%Above | 312 | |
39 | Plains Commerce BankBank | Strong | Acceptable | Exceptional | Strong | Strong | $2,788Fees | 0.110%Above | 264 | |
40 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,117Fees | 0.344%Above | 235 | |
41 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,511Fees | 0.133%Above | 193 | |
42 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,978Fees | 0.214%Above | 187 | |
43 | TOWNE MORTGAGE COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,918Fees | 0.110%Above | 182 | |
44 | PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,506Fees | 0.330%Above | 174 | |
45 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,285Fees | 0.187%Above | 169 | |
46 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,127Fees | 0.219%Above | 158 | |
47 | Flagstar Bank, N.A.Bank | Strong | Acceptable | Exceptional | Strong | Strong | $2,981Fees | 0.143%Above | 151 | |
48 | NMSI, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Exceptional | Strong | $1,457Fees | 0.150%Above | 143 | |
49 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,687Fees | 0.319%Above | 136 | |
50 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,081Fees | 0.333%Above | 98 |
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.