Safe Rate Rankings
Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Potlatch No. 1 Financial Credit UnionCredit Union | Exceptional | Strong | Strong | Strong | Exceptional | $2,478Fees | 0.032%Below | 59 | |
2 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,172Fees | 0.106%Above | 121 | |
3 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,596Fees | 0.162%Above | 56 | |
4 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,988Fees | 0.297%Above | 50 | |
5 | IDAHO CENTRAL CREDIT UNIONCredit Union | Strong | Sound | Exceptional | Strong | Strong | $1,631Fees | 0.089%Above | 47 | |
6 | U.S. Bank National AssociationBank | Strong | Strong | Exceptional | Strong | Acceptable | $906Fees | 0.202%Above | 11 | |
7 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,049Fees | 0.647%Above | 29 | |
8 | NEWREZ LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $3,552Fees | 0.298%Above | 17 | |
9 | Synergy One Lending, Inc.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Sound | $4,821Fees | 0.532%Above | 12 | |
10 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $4,747Fees | 0.448%Above | 24 | |
11 | LAND HOME FINANCIAL SERVICES, INC.Independent Mortgage Company | Sound | Mediocre | Strong | Sound | Sound | $3,093Fees | 0.569%Above | 17 |
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.