Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | SELCO COMMUNITYCredit Union | Exceptional | Strong | Sound | Exceptional | Exceptional | $2,251Fees | 0.255%Below | 89 | |
2 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,672Fees | 0.040%Above | 53 | |
3 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Sound | $1,269Fees | 0.491%Below | 15 | |
4 | PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company | Exceptional | Exceptional | Exceptional | Sound | Sound | $3,202Fees | 0.043%Above | 15 | |
5 | ONPOINT COMMUNITY CREDIT UNIONCredit Union | Exceptional | Strong | Strong | Strong | Strong | $1,121Fees | 0.058%Above | 47 | |
6 | NBKC BANKBank | Exceptional | Exceptional | Strong | Sound | Sound | $615Fees | 0.344%Below | 12 | |
7 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,143Fees | 0.111%Above | 301 | |
8 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,205Fees | 0.283%Above | 194 | |
9 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $4,476Fees | 0.522%Above | 84 | |
10 | Wells Fargo Bank, National AssociationBank | Strong | Strong | Exceptional | Sound | Sound | $2,373Fees | 0.013%Above | 16 | |
11 | Bank of America, National AssociationBank | Strong | Strong | Exceptional | Strong | Acceptable | $1,103Fees | 0.191%Above | 10 | |
12 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,305Fees | 0.159%Above | 237 | |
13 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,509Fees | 0.446%Above | 172 | |
14 | TWINSTARCredit Union | Strong | Strong | Sound | Sound | Strong | $3,582Fees | 0.290%Above | 40 | |
15 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Sound | $2,285Fees | 0.168%Above | 18 | |
16 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $4,344Fees | 0.250%Above | 16 | |
17 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $3,658Fees | 0.239%Above | 15 | |
18 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $5,617Fees | 0.357%Above | 109 | |
19 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,950Fees | 0.269%Above | 66 | |
20 | NOVA FINANCIAL & INVESTMENT CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,203Fees | 0.575%Above | 36 | |
21 | V.I.P. MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,410Fees | 0.169%Above | 32 | |
22 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Sound | $1,568Fees | 0.135%Above | 23 | |
23 | SUMMIT FUNDING, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $5,899Fees | 0.523%Above | 351 | |
24 | Umpqua BankBank | Strong | Acceptable | Strong | Strong | Strong | $3,662Fees | 0.124%Above | 82 | |
25 | NEWREZ LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $4,159Fees | 0.201%Above | 49 | |
26 | MORTGAGE EXPRESS, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $5,040Fees | 0.185%Above | 32 | |
27 | Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $5,148Fees | 0.162%Above | 16 | |
28 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,496Fees | 0.181%Above | 15 | |
29 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $4,952Fees | 0.624%Above | 15 | |
30 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,176Fees | 0.134%Above | 15 | |
31 | Flagstar Bank, N.A.Bank | Strong | Acceptable | Exceptional | Strong | Sound | $3,069Fees | 0.344%Above | 12 | |
32 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,204Fees | 0.236%Above | 11 | |
33 | OREGON COMMUNITYCredit Union | Strong | Acceptable | Sound | Sound | Exceptional | $2,487Fees | 0.409%Above | 95 | |
34 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $5,365Fees | 0.476%Above | 80 | |
35 | Banner BankBank | Strong | Acceptable | Strong | Sound | Strong | $3,038Fees | 0.067%Above | 46 | |
36 | NATIONS DIRECT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Sound | $3,017Fees | 0.233%Above | 19 | |
37 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $3,638Fees | 0.889%Above | 13 | |
38 | Synergy One Lending, Inc.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Sound | $5,641Fees | 0.630%Above | 12 | |
39 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Acceptable | $2,592Fees | 0.202%Above | 10 | |
40 | EVERGREEN MONEYSOURCE MORTGAGE COMPANYIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $5,661Fees | 0.492%Above | 21 | |
41 | EVERETT FINANCIAL, INC.Independent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $2,510Fees | 0.652%Above | 17 | |
42 | USAA Federal Savings BankBank | Sound | Sound | Strong | Acceptable | Acceptable | $2,573Fees | 0.398%Below | 10 | |
43 | PACIFIC RESIDENTIAL MORTGAGE, LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Sound | $4,891Fees | 0.299%Above | 12 | |
44 | LPMC, LLCIndependent Mortgage Company | Sound | Mediocre | Sound | Strong | Sound | $5,199Fees | 0.170%Above | 21 | |
45 | ISERVE RESIDENTIAL LENDING, LLCIndependent Mortgage Company | Sound | Mediocre | Sound | Sound | Sound | $4,201Fees | 0.202%Above | 14 |
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.