Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Citizens Bank of Las CrucesBank | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,360Fees | 0.276%Above | 237 | |
2 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $675Fees | 0.461%Below | 41 | |
3 | FirstLight Federal Credit UnionCredit Union | Exceptional | Exceptional | Sound | Sound | Strong | $775Fees | 0.150%Above | 52 | |
4 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Sound | $1,640Fees | 0.087%Above | 19 | |
5 | Bank of America, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Sound | $2,681Fees | 0.129%Above | 12 | |
6 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,358Fees | 0.468%Above | 216 | |
7 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,956Fees | 0.033%Above | 191 | |
8 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $2,575Fees | 0.048%Below | 62 | |
9 | Wells Fargo Bank, National AssociationBank | Strong | Strong | Exceptional | Sound | Sound | $2,363Fees | 0.145%Above | 31 | |
10 | NUSENDACredit Union | Strong | Strong | Strong | Strong | Sound | $1,609Fees | 0.653%Below | 17 | |
11 | GECUCredit Union | Strong | Strong | Strong | Strong | Sound | $823Fees | 0.374%Above | 13 | |
12 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,260Fees | 0.003%Below | 148 | |
13 | SUN AMERICAN MORTGAGE COMPANYIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $1,272Fees | 0.240%Above | 36 | |
14 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $3,459Fees | 0.282%Above | 34 | |
15 | BOKF, National AssociationBank | Strong | Sound | Exceptional | Strong | Sound | $1,348Fees | 0.699%Above | 10 | |
16 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,557Fees | 0.617%Above | 102 | |
17 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,517Fees | 0.280%Above | 73 | |
18 | Commerce Home Mortgage, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,299Fees | 0.622%Above | 60 | |
19 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Sound | $1,080Fees | 0.024%Below | 21 | |
20 | Rocky Mountain Mortgage CompanyIndependent Mortgage Company | Strong | Strong | Acceptable | Acceptable | Strong | $1,658Fees | 0.221%Below | 73 | |
21 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $3,207Fees | 0.693%Above | 46 | |
22 | Gateway First BankBank | Strong | Acceptable | Exceptional | Strong | Sound | $1,489Fees | 0.457%Above | 32 | |
23 | Plains Commerce BankBank | Strong | Acceptable | Exceptional | Strong | Sound | $2,397Fees | 0.236%Above | 30 | |
24 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $4,841Fees | 0.178%Above | 24 | |
25 | NOVA FINANCIAL & INVESTMENT CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $1,337Fees | 0.208%Above | 17 | |
26 | GoodLeap, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Sound | $5,183Fees | 0.885%Above | 12 | |
27 | Waterstone Mortgage CorporationIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,184Fees | 0.558%Above | 100 | |
28 | MICHIGAN MUTUAL, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Sound | $1,224Fees | 0.524%Above | 26 | |
29 | First American BankBank | Strong | Sound | Acceptable | Sound | Strong | $1,524Fees | 0.253%Above | 24 | |
30 | USAA Federal Savings BankBank | Strong | Sound | Strong | Acceptable | Sound | $2,765Fees | 0.233%Below | 21 | |
31 | NEWREZ LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $4,128Fees | 0.224%Above | 12 | |
32 | LOANPEOPLE, LLCIndependent Mortgage Company | Sound | Acceptable | Strong | Sound | Sound | $3,932Fees | 0.640%Above | 17 | |
33 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $4,834Fees | 0.568%Above | 15 | |
34 | RIGHT START MORTGAGE, INC.Independent Mortgage Company | Sound | Mediocre | Strong | Strong | Sound | $2,331Fees | 0.684%Above | 26 | |
35 | PACIFIC RESIDENTIAL MORTGAGE, LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Sound | $1,005Fees | 0.314%Above | 23 | |
36 | Click n' Close, Inc.Independent Mortgage Company | Sound | Mediocre | Strong | Sound | Sound | $3,888Fees | 1.800%Above | 26 |
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.