Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | GREENSTATE Credit UnionCredit Union | Exceptional | Exceptional | Exceptional | Exceptional | Exceptional | $463Fees | 0.241%Below | 1,317 | |
2 | VERIDIAN CREDIT UNIONCredit Union | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $374Fees | 0.238%Below | 703 | |
3 | Community Choice Credit UnionCredit Union | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $1,098Fees | 0.271%Below | 448 | |
4 | IOWA BANKERS MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,172Fees | 0.155%Below | 500 | |
5 | HOMESERVICES LENDING, LLCIndependent Mortgage Company | Exceptional | Strong | Strong | Exceptional | Exceptional | $2,467Fees | 0.265%Above | 419 | |
6 | GERSHMAN INVESTMENT CORP.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,336Fees | 0.066%Below | 393 | |
7 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,659Fees | 0.081%Above | 262 | |
8 | Northwest BankBank | Exceptional | Strong | Strong | Strong | Exceptional | $1,006Fees | 0.055%Below | 316 | |
9 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $859Fees | 0.119%Above | 222 | |
10 | Fidelity BankBank | Exceptional | Strong | Strong | Strong | Exceptional | $1,411Fees | 0.237%Above | 210 | |
11 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $3,531Fees | 0.414%Above | 126 | |
12 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Sound | $667Fees | 0.764%Below | 30 | |
13 | Fortress BankBank | Exceptional | Strong | Sound | Strong | Exceptional | $1,652Fees | 0.300%Above | 362 | |
14 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,828Fees | 0.478%Above | 94 | |
15 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,063Fees | 0.276%Above | 81 | |
16 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $2,426Fees | 0.443%Above | 56 | |
17 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $2,308Fees | 0.025%Below | 55 | |
18 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,625Fees | 0.374%Above | 368 | |
19 | Wells Fargo Bank, National AssociationBank | Strong | Sound | Exceptional | Sound | Strong | $1,817Fees | 0.034%Above | 174 | |
20 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,003Fees | 0.302%Above | 55 | |
21 | Plains Commerce BankBank | Strong | Sound | Exceptional | Strong | Sound | $2,319Fees | 0.495%Above | 45 | |
22 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $3,695Fees | 0.296%Above | 28 | |
23 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $1,331Fees | 0.161%Above | 27 | |
24 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,866Fees | 0.511%Above | 150 | |
25 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,473Fees | 0.423%Above | 140 | |
26 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,241Fees | 0.416%Above | 127 | |
27 | LAND HOME FINANCIAL SERVICES, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $3,662Fees | 0.273%Above | 64 | |
28 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Sound | Exceptional | $2,401Fees | 0.435%Above | 521 | |
29 | Barrington Bank & Trust Company, National AssociationBank | Strong | Mediocre | Exceptional | Strong | Strong | $2,260Fees | 0.282%Above | 237 | |
30 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,104Fees | 0.657%Above | 137 |
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.