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 | $497Fees | 0.256%Below | 4,661 | |
2 | VERIDIAN CREDIT UNIONCredit Union | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $379Fees | 0.212%Below | 2,150 | |
3 | Community Choice Credit UnionCredit Union | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $1,105Fees | 0.264%Below | 527 | |
4 | IOWA BANKERS MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,157Fees | 0.056%Below | 2,020 | |
5 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,183Fees | 0.292%Above | 717 | |
6 | HOMESERVICES LENDING, LLCIndependent Mortgage Company | Exceptional | Strong | Strong | Exceptional | Exceptional | $2,443Fees | 0.278%Above | 504 | |
7 | RESIDENTIAL MORTGAGE NETWORK, INC.Independent Mortgage Company | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,199Fees | 0.017%Below | 424 | |
8 | Northwest BankBank | Exceptional | Strong | Strong | Strong | Exceptional | $1,074Fees | 0.073%Above | 900 | |
9 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $965Fees | 0.210%Above | 838 | |
10 | GERSHMAN INVESTMENT CORP.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,334Fees | 0.037%Below | 466 | |
11 | RUHL MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Strong | Exceptional | Strong | $832Fees | 0.039%Below | 344 | |
12 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,939Fees | 0.458%Above | 245 | |
13 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,005Fees | 0.100%Above | 175 | |
14 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,367Fees | 0.684%Above | 170 | |
15 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Sound | $648Fees | 0.573%Below | 135 | |
16 | Fortress BankBank | Exceptional | Strong | Sound | Strong | Exceptional | $1,548Fees | 0.271%Above | 452 | |
17 | Fidelity BankBank | Exceptional | Strong | Strong | Strong | Strong | $1,403Fees | 0.225%Above | 238 | |
18 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,797Fees | 0.390%Above | 222 | |
19 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,644Fees | 0.431%Above | 173 | |
20 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,069Fees | 0.452%Above | 155 | |
21 | Great Southern BankBank | Exceptional | Strong | Strong | Strong | Strong | $1,486Fees | 0.018%Above | 129 | |
22 | CHARTER WEST BANKBank | Exceptional | Strong | Strong | Strong | Strong | $1,517Fees | 0.415%Above | 122 | |
23 | First National Bank of OmahaBank | Exceptional | Strong | Strong | Strong | Strong | $1,846Fees | 0.280%Above | 113 | |
24 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,334Fees | 0.508%Above | 1,620 | |
25 | Plains Commerce BankBank | Strong | Sound | Exceptional | Strong | Strong | $2,138Fees | 0.448%Above | 264 | |
26 | Lincoln Savings BankBank | Strong | Strong | — | Strong | Strong | $1,459Fees | 0.112%Above | 263 | |
27 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,419Fees | 0.475%Above | 164 | |
28 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,114Fees | 0.297%Above | 153 | |
29 | USAA Federal Savings BankBank | Strong | Strong | Exceptional | Sound | Sound | $1,313Fees | 0.101%Below | 102 | |
30 | Wells Fargo Bank, National AssociationBank | Strong | Sound | Exceptional | Sound | Strong | $1,696Fees | 0.120%Above | 516 | |
31 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,353Fees | 0.633%Above | 269 | |
32 | FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,922Fees | 0.355%Above | 229 | |
33 | Flanagan State BankBank | Strong | Sound | Strong | Strong | Strong | $2,578Fees | 0.606%Above | 157 | |
34 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Sound | $1,873Fees | 0.394%Above | 121 | |
35 | The Central Trust BankBank | Strong | Sound | Strong | Strong | Strong | $1,713Fees | 0.309%Above | 102 | |
36 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $1,427Fees | 0.522%Above | 101 | |
37 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $1,494Fees | 0.314%Above | 72 | |
38 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,022Fees | 0.557%Above | 686 | |
39 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,443Fees | 0.464%Above | 431 | |
40 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,719Fees | 0.571%Above | 427 | |
41 | FRONTIER FINANCIAL, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Exceptional | Strong | $2,311Fees | 0.418%Above | 184 | |
42 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,834Fees | 0.993%Above | 157 | |
43 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,834Fees | 0.416%Above | 139 | |
44 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $2,375Fees | 0.386%Above | 99 | |
45 | Servion, Inc.Independent Mortgage Company | Strong | Sound | Strong | Strong | Sound | $1,025Fees | 0.326%Above | 73 | |
46 | LAND HOME FINANCIAL SERVICES, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $3,430Fees | 0.276%Above | 119 | |
47 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,530Fees | 0.680%Above | 110 | |
48 | V.I.P. MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $1,630Fees | 0.399%Above | 94 | |
49 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,470Fees | 0.606%Above | 315 | |
50 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $3,986Fees | 0.692%Above | 71 |
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.