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 | $898Fees | 0.110%Above | 222 | |
2 | Old National BankBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $972Fees | 0.019%Above | 54 | |
3 | First National Bank of OmahaBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $704Fees | 0.667%Above | 132 | |
4 | Associated Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Sound | $400Fees | 0.023%Above | 27 | |
5 | The Huntington National BankBank | Exceptional | Strong | Exceptional | Strong | Strong | $420Credit | 0.252%Above | 147 | |
6 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $860Fees | 0.154%Above | 79 | |
7 | Bank of America, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $2,419Fees | 0.092%Below | 47 | |
8 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Sound | $649Fees | 0.388%Below | 39 | |
9 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,898Fees | 0.224%Above | 467 | |
10 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,255Fees | 0.713%Above | 244 | |
11 | Fifth Third Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $436Fees | 0.437%Above | 89 | |
12 | Wells Fargo Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $1,945Fees | 0.001%Above | 66 | |
13 | GMFS LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,119Fees | 0.365%Above | 46 | |
14 | PNC Bank, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Sound | $536Credit | 0.239%Above | 31 | |
15 | NBKC BANKBank | Exceptional | Exceptional | Strong | Sound | Sound | $506Fees | 0.118%Below | 20 | |
16 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $1,815Fees | 0.379%Above | 620 | |
17 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,883Fees | 0.393%Above | 542 | |
18 | Barrington Bank & Trust Company, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $1,860Fees | 0.523%Above | 152 | |
19 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Strong | Strong | Sound | Strong | $1,877Fees | 0.523%Above | 96 | |
20 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,021Fees | 0.223%Above | 59 | |
21 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,874Fees | 0.382%Above | 50 | |
22 | FIRST STATE MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | Sound | $1,100Fees | 0.496%Above | 26 | |
23 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,004Fees | 0.367%Above | 689 | |
24 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,597Fees | 0.597%Above | 446 | |
25 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,298Fees | 0.720%Above | 289 | |
26 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,953Fees | 0.698%Above | 242 | |
27 | KEY MORTGAGE SERVICES, INC.Independent Mortgage Company | Strong | Sound | Strong | Sound | Exceptional | $1,783Fees | 0.331%Above | 168 | |
28 | POINT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $1,383Fees | 0.356%Above | 60 | |
29 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $585Fees | 0.094%Above | 52 | |
30 | CIBM BankBank | Strong | Sound | Strong | Strong | Strong | $1,311Fees | 0.441%Above | 45 | |
31 | BMO Bank National AssociationBank | Strong | Strong | Strong | Sound | Sound | $570Fees | 0.428%Above | 42 | |
32 | COMPASS MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $2,426Fees | 0.571%Above | 173 | |
33 | M/I FINANCIAL, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $3,529Fees | 0.162%Above | 161 | |
34 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,301Fees | 0.605%Above | 127 | |
35 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,746Fees | 0.409%Above | 93 | |
36 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $1,801Fees | 0.633%Above | 74 | |
37 | TOWNE MORTGAGE COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,519Fees | 0.613%Above | 64 | |
38 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,426Fees | 0.581%Above | 64 | |
39 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $993Fees | 0.397%Above | 61 | |
40 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,039Fees | 0.645%Above | 55 | |
41 | Flagstar Bank, N.A.Bank | Strong | Acceptable | Exceptional | Strong | Strong | $2,766Fees | 0.608%Above | 51 | |
42 | PROPER RATE, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $1,400Fees | 0.372%Above | 44 | |
43 | A & N MORTGAGE SERVICES, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Sound | $1,297Fees | 0.262%Above | 32 | |
44 | MLD MORTGAGE INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Sound | $1,438Fees | 0.413%Above | 27 | |
45 | AMERIHOME MORTGAGE COMPANY, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Sound | $1,972Fees | 0.420%Above | 24 | |
46 | Servion, Inc.Independent Mortgage Company | Strong | Sound | Strong | Strong | Sound | $1,095Fees | 0.463%Above | 23 | |
47 | NEWREZ LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $2,518Fees | 0.507%Above | 103 | |
48 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $2,042Fees | 0.540%Above | 93 | |
49 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $2,122Fees | 0.466%Above | 61 | |
50 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $1,192Fees | 0.456%Above | 45 |
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.