Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | First National Bank TexasBank | Exceptional | Exceptional | Exceptional | Exceptional | Exceptional | $2,102Fees | 0.033%Above | 254 | |
2 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,874Fees | 0.150%Above | 696 | |
3 | Rocky Mountain Mortgage CompanyIndependent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,741Fees | 0.187%Below | 445 | |
4 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,141Fees | 0.486%Below | 139 | |
5 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Exceptional | $2,752Fees | 0.122%Above | 444 | |
6 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,625Fees | 0.313%Above | 425 | |
7 | KIND LENDING, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,438Fees | 0.485%Above | 66 | |
8 | CADENCE LENDING GROUP, INC.Independent Mortgage Company | Exceptional | Sound | Strong | Exceptional | Exceptional | $3,764Fees | 0.310%Above | 350 | |
9 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,687Fees | 0.569%Above | 185 | |
10 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $2,010Fees | 0.106%Above | 50 | |
11 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $2,040Fees | 0.296%Below | 40 | |
12 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $2,176Fees | 0.425%Above | 20 | |
13 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,630Fees | 0.603%Above | 480 | |
14 | City BankBank | Strong | Sound | Strong | Exceptional | Strong | $2,921Fees | 0.192%Below | 119 | |
15 | Plains Commerce BankBank | Strong | Sound | Exceptional | Strong | Strong | $2,571Fees | 0.135%Above | 64 | |
16 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $1,247Fees | 0.541%Above | 61 | |
17 | USAA Federal Savings BankBank | Strong | Strong | Exceptional | Sound | Sound | $2,276Fees | 0.177%Below | 45 | |
18 | PATRIOT MORTGAGE COMPANYIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | Exceptional | $4,282Fees | 0.421%Above | 250 | |
19 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,524Fees | 0.555%Above | 28 | |
20 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,750Fees | 0.174%Below | 192 | |
21 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,297Fees | 0.663%Above | 105 | |
22 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,797Fees | 0.589%Above | 62 | |
23 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,803Fees | 0.612%Above | 57 | |
24 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $4,368Fees | 0.444%Above | 36 | |
25 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,593Fees | 0.422%Above | 233 | |
26 | AMERICAN PORTFOLIO MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $2,678Fees | 0.182%Above | 114 | |
27 | Sunflower Bank, National AssociationBank | Strong | Acceptable | Strong | Strong | Strong | $4,209Fees | 0.214%Above | 90 | |
28 | MORTGAGE FINANCIAL SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $1,762Fees | 0.464%Above | 39 | |
29 | Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,168Fees | 0.050%Above | 27 | |
30 | MORTGAGE SOLUTIONS OF COLORADO, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,264Fees | 0.471%Above | 20 | |
31 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,500Fees | 0.989%Above | 19 | |
32 | Commerce Home Mortgage, Inc.Independent Mortgage Company | Strong | Mediocre | Strong | Strong | Exceptional | $3,501Fees | 0.627%Above | 556 | |
33 | LOANPEOPLE, LLCIndependent Mortgage Company | Strong | Mediocre | Strong | Strong | Exceptional | $2,956Fees | 0.505%Above | 313 | |
34 | Waterstone Mortgage CorporationIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,429Fees | 0.088%Below | 59 | |
35 | GENEVA FINANCIAL, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Sound | $3,838Fees | 0.562%Above | 45 | |
36 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $2,107Fees | 0.697%Above | 29 | |
37 | ENVOY MORTGAGE, LTDIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $2,509Fees | 0.046%Below | 23 | |
38 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $2,976Fees | 0.565%Above | 168 | |
39 | THE MORTGAGE LINK, INC.Independent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $4,066Fees | 0.758%Above | 69 | |
40 | SECURITYNATIONAL MORTGAGE COMPANYIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $3,675Fees | 0.963%Above | 55 | |
41 | WILLOW BEND MORTGAGE COMPANY, LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Sound | $2,285Fees | 0.501%Above | 35 | |
42 | First Option Mortgage, LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Sound | Sound | $3,236Fees | 0.661%Above | 21 |
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.