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 | Exceptional | Strong | Strong | Exceptional | $1,475Fees | 0.234%Below | 366 | |
2 | JET HOMELOANS, LPIndependent Mortgage Company | Exceptional | Exceptional | Strong | Exceptional | Strong | $2,686Fees | 0.165%Below | 140 | |
3 | MEGASTAR FINANCIAL CORP.Independent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Strong | $6,153Credit | 0.239%Above | 264 | |
4 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,823Fees | 0.085%Above | 6,898 | |
5 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,089Fees | 0.027%Below | 454 | |
6 | The Huntington National BankBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,351Fees | 0.099%Above | 322 | |
7 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,687Fees | 0.319%Above | 136 | |
8 | NBKC BANKBank | Exceptional | Exceptional | Strong | Sound | Strong | $496Fees | 0.264%Below | 118 | |
9 | ELEVATIONSCredit Union | Exceptional | Strong | Sound | Strong | Exceptional | $943Fees | 0.193%Above | 702 | |
10 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $598Fees | 0.060%Below | 447 | |
11 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $1,656Fees | 0.086%Below | 382 | |
12 | SWBC MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,573Fees | 0.189%Above | 312 | |
13 | First Western Trust BankBank | Exceptional | Strong | Strong | Strong | Strong | $939Fees | 0.009%Above | 197 | |
14 | KEYSTONE FUNDING, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,764Fees | 0.094%Above | 194 | |
15 | TOWNE MORTGAGE COMPANYIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,918Fees | 0.110%Above | 182 | |
16 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,433Fees | 0.104%Above | 2,715 | |
17 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,844Fees | 0.359%Above | 1,086 | |
18 | V.I.P. MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,283Fees | 0.296%Above | 837 | |
19 | AMERICAN FINANCING CORPORATIONIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Exceptional | $5,971Fees | 0.037%Above | 758 | |
20 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,867Fees | 0.080%Below | 752 | |
21 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,040Fees | 0.135%Above | 493 | |
22 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,289Fees | 0.617%Above | 376 | |
23 | NOVA FINANCIAL & INVESTMENT CORPORATIONIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,749Fees | 0.367%Above | 316 | |
24 | Plains Commerce BankBank | Strong | Sound | Exceptional | Strong | Strong | $2,788Fees | 0.110%Above | 264 | |
25 | NEST HOME LENDING, LLCIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | Strong | $4,314Fees | 0.457%Below | 246 | |
26 | M2 LENDING SOLUTIONS, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $2,230Fees | 0.172%Above | 225 | |
27 | RESICENTRAL, LLCIndependent Mortgage Company | Strong | Strong | Strong | Sound | Strong | $807Fees | 0.087%Above | 162 | |
28 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,127Fees | 0.219%Above | 158 | |
29 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $2,981Fees | 0.143%Above | 151 | |
30 | PLANET HOME LENDING, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,624Fees | 0.161%Above | 148 | |
31 | Northpointe BankBank | Strong | Sound | Exceptional | Strong | Strong | $4,078Fees | 0.049%Above | 147 | |
32 | ALLIED MORTGAGE GROUP, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,159Fees | 0.277%Above | 108 | |
33 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,203Fees | 0.315%Above | 1,279 | |
34 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,804Fees | 0.227%Above | 624 | |
35 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $2,328Fees | 0.216%Above | 334 | |
36 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,511Fees | 0.133%Above | 193 | |
37 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,978Fees | 0.214%Above | 187 | |
38 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,144Fees | 0.233%Above | 169 | |
39 | INTERCAP LENDING INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,193Fees | 0.303%Above | 96 | |
40 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,092Fees | 0.064%Above | 547 | |
41 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,531Fees | 0.408%Above | 546 | |
42 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,977Fees | 0.133%Above | 512 | |
43 | ZILLOW HOME LOANS, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,244Fees | 0.118%Above | 464 | |
44 | Synergy One Lending, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,602Fees | 0.238%Above | 419 | |
45 | Sunflower Bank, National AssociationBank | Strong | Acceptable | Exceptional | Strong | Strong | $666Fees | 0.093%Below | 308 | |
46 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,117Fees | 0.344%Above | 235 | |
47 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,661Fees | 0.281%Above | 229 | |
48 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,324Fees | 0.117%Above | 185 | |
49 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,120Fees | 0.047%Above | 121 | |
50 | Commerce Home Mortgage, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $451Fees | 0.418%Above | 88 |
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.