Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | ONE NEVADA CREDIT UNIONCredit Union | Exceptional | Exceptional | Strong | Exceptional | $1,726Fees | 0.249%Below | 217 | |
2 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Sound | Strong | $907Fees | 0.515%Below | 310 | |
3 | FBC MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | $2,693Fees | 0.369%Above | 197 | |
4 | NBKC BANKBank | Exceptional | Exceptional | Sound | Strong | $771Fees | 0.314%Below | 93 | |
5 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $3,663Fees | 0.256%Above | 2,931 | |
6 | U.S. Bank National AssociationBank | Strong | Strong | Strong | Strong | $1,126Fees | 0.046%Above | 401 | |
7 | Zions Bancorporation, N.A.Bank | Strong | Strong | Sound | Exceptional | $1,497Fees | 0.131%Below | 294 | |
8 | Bank of America, National AssociationBank | Strong | Strong | Strong | Strong | $2,226Fees | 0.125%Below | 190 | |
9 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | $3,511Fees | 0.096%Above | 884 | |
10 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Sound | Strong | Exceptional | $3,937Fees | 0.449%Above | 604 | |
11 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | $3,280Fees | 0.260%Above | 578 | |
12 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Exceptional | $3,167Fees | 0.138%Above | 536 | |
13 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Strong | Sound | Strong | Exceptional | $2,024Fees | 0.712%Above | 490 | |
14 | Wells Fargo Bank, National AssociationBank | Strong | Strong | Sound | Strong | $2,080Fees | 0.059%Above | 319 | |
15 | CLARK COUNTY CREDIT UNIONCredit Union | Strong | Strong | Sound | Strong | $2,776Fees | 0.038%Above | 114 | |
16 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $4,663Fees | 0.220%Above | 1,835 | |
17 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $4,161Fees | 0.272%Above | 1,598 | |
18 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Strong | $2,962Fees | 0.208%Above | 410 | |
19 | ALLIED MORTGAGE GROUP, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | $5,137Fees | 0.472%Above | 122 | |
20 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $1,849Fees | 0.297%Above | 112 | |
21 | General Mortgage Capital CorporationIndependent Mortgage Company | Strong | Sound | Strong | Strong | $3,716Fees | 0.337%Above | 73 | |
22 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $4,097Fees | 0.628%Above | 493 | |
23 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $4,271Fees | 0.462%Above | 431 | |
24 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $4,311Fees | 0.526%Above | 410 | |
25 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $4,434Fees | 0.674%Above | 390 | |
26 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $4,631Fees | 0.519%Above | 236 | |
27 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Sound | Strong | $3,128Fees | 0.161%Above | 218 | |
28 | NOVA FINANCIAL & INVESTMENT CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,638Fees | 0.337%Above | 146 | |
29 | Nations Lending CorporationIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,621Fees | 0.270%Above | 142 | |
30 | AMERICA FIRST Federal Credit UnionCredit Union | Strong | Sound | Sound | Strong | $2,025Fees | 0.200%Above | 110 | |
31 | GoodLeap, LLCIndependent Mortgage Company | Strong | Sound | Sound | Strong | $5,491Fees | 0.201%Below | 110 | |
32 | USAA Federal Savings BankBank | Strong | Sound | Sound | Strong | $2,164Fees | 0.079%Below | 96 | |
33 | Mountain America Federal Credit UnionCredit Union | Strong | Sound | Sound | Strong | $2,949Fees | 0.003%Below | 72 | |
34 | V.I.P. MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,950Fees | 0.465%Above | 69 | |
35 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Sound | Exceptional | $4,664Fees | 0.424%Above | 672 | |
36 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $4,408Fees | 0.461%Above | 374 | |
37 | EVERGREEN MONEYSOURCE MORTGAGE COMPANYIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | $4,980Fees | 0.415%Above | 326 | |
38 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,113Fees | 0.345%Above | 284 | |
39 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,883Fees | 0.482%Above | 191 | |
40 | OCMBC, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $4,127Fees | 0.959%Above | 179 | |
41 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $4,331Fees | 0.364%Above | 172 | |
42 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,735Fees | 0.498%Above | 171 | |
43 | Plains Commerce BankBank | Strong | Acceptable | Strong | Strong | $3,926Fees | 0.231%Above | 155 | |
44 | ZILLOW HOME LOANS, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,037Fees | 0.382%Above | 154 | |
45 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,905Fees | 0.225%Above | 142 | |
46 | CANOPY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $4,844Fees | 0.428%Above | 122 | |
47 | Flagstar Bank, N.A.Bank | Strong | Acceptable | Strong | Strong | $2,986Fees | 0.380%Above | 117 | |
48 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,090Fees | 0.543%Above | 113 | |
49 | CLM MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $5,624Fees | 0.351%Above | 78 | |
50 | BAY-VALLEY MORTGAGE GROUPIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $5,511Fees | 0.502%Above | 74 |
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.