Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $907Fees | 0.515%Below | 310 | |
2 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,126Fees | 0.046%Above | 401 | |
3 | Bank of America, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $2,226Fees | 0.125%Below | 190 | |
4 | NBKC BANKBank | Exceptional | Exceptional | Strong | Sound | Strong | $771Fees | 0.314%Below | 93 | |
5 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,511Fees | 0.096%Above | 884 | |
6 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,167Fees | 0.138%Above | 536 | |
7 | Wells Fargo Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $2,080Fees | 0.059%Above | 319 | |
8 | Zions Bancorporation, N.A.Bank | Exceptional | Strong | Strong | Sound | Exceptional | $1,497Fees | 0.131%Below | 294 | |
9 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,663Fees | 0.256%Above | 2,931 | |
10 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,663Fees | 0.220%Above | 1,835 | |
11 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Exceptional | $3,280Fees | 0.260%Above | 578 | |
12 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Strong | Strong | Sound | Strong | $3,128Fees | 0.161%Above | 218 | |
13 | ONE NEVADA CREDIT UNIONCredit Union | Strong | Strong | Sound | Sound | Exceptional | $1,726Fees | 0.249%Below | 217 | |
14 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,849Fees | 0.297%Above | 112 | |
15 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,161Fees | 0.272%Above | 1,598 | |
16 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,937Fees | 0.449%Above | 604 | |
17 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,097Fees | 0.628%Above | 493 | |
18 | Nations Lending CorporationIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,621Fees | 0.270%Above | 142 | |
19 | General Mortgage Capital CorporationIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $3,716Fees | 0.337%Above | 73 | |
20 | V.I.P. MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,950Fees | 0.465%Above | 69 | |
21 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Exceptional | $4,664Fees | 0.424%Above | 672 | |
22 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $2,024Fees | 0.712%Above | 490 | |
23 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,271Fees | 0.462%Above | 431 | |
24 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,311Fees | 0.526%Above | 410 | |
25 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $2,962Fees | 0.208%Above | 410 | |
26 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,434Fees | 0.674%Above | 390 | |
27 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,113Fees | 0.345%Above | 284 | |
28 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,631Fees | 0.519%Above | 236 | |
29 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,883Fees | 0.482%Above | 191 | |
30 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,331Fees | 0.364%Above | 172 | |
31 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,735Fees | 0.498%Above | 171 | |
32 | Plains Commerce BankBank | Strong | Acceptable | Exceptional | Strong | Strong | $3,926Fees | 0.231%Above | 155 | |
33 | NOVA FINANCIAL & INVESTMENT CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,638Fees | 0.337%Above | 146 | |
34 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,905Fees | 0.225%Above | 142 | |
35 | ALLIED MORTGAGE GROUP, INC.Independent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $5,137Fees | 0.472%Above | 122 | |
36 | Flagstar Bank, N.A.Bank | Strong | Acceptable | Exceptional | Strong | Strong | $2,986Fees | 0.380%Above | 117 | |
37 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,090Fees | 0.543%Above | 113 | |
38 | AMERICA FIRST Federal Credit UnionCredit Union | Strong | Sound | Strong | Sound | Strong | $2,025Fees | 0.200%Above | 110 | |
39 | GoodLeap, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $5,491Fees | 0.201%Below | 110 | |
40 | Mountain America Federal Credit UnionCredit Union | Strong | Sound | Strong | Sound | Strong | $2,949Fees | 0.003%Below | 72 | |
41 | EVERGREEN MONEYSOURCE MORTGAGE COMPANYIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,980Fees | 0.415%Above | 326 | |
42 | NEWREZ LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $2,660Fees | 0.414%Above | 134 | |
43 | CANOPY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $4,844Fees | 0.428%Above | 122 | |
44 | USAA Federal Savings BankBank | Strong | Sound | Strong | Acceptable | Strong | $2,164Fees | 0.079%Below | 96 | |
45 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $4,408Fees | 0.461%Above | 374 | |
46 | FBC MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $2,693Fees | 0.369%Above | 197 | |
47 | Luminate Home Loans, Inc.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $5,238Fees | 0.605%Above | 174 | |
48 | ZILLOW HOME LOANS, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $3,037Fees | 0.382%Above | 154 | |
49 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $5,747Fees | 0.689%Above | 99 | |
50 | CLM MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $5,624Fees | 0.351%Above | 78 |
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.