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 | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Global Federal Credit Union Credit UnionDirect | Exceptional | Strong | Exceptional | Exceptional | $1,581Fees | 0.097%Above | 1,017 | |
2 | RESIDENTIAL MORTGAGE, LLC Independent Mortgage CompanyDirect | Strong | Sound | Exceptional | Exceptional | $2,934Fees | 0.072%Above | 1,318 | |
3 | NAVY FEDERAL CREDIT UNION Credit UnionDirect | Strong | Exceptional | Sound | Strong | $793Fees | 0.567%Below | 100 | |
4 | CREDIT UNION 1 Credit Union Credit UnionDirect | Strong | Exceptional | Sound | Strong | $2,590Fees | 0.196%Below | 110 | |
5 | NBKC BANK BankDirect | Strong | Exceptional | Sound | Sound | $1,097Fees | 0.233%Below | 59 | |
6 | UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale | Strong | Sound* | Exceptional | Strong | $3,482Fees | 0.095%Above | 260 | |
7 | ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Acceptable* | Exceptional | Strong | $4,539Fees | 0.359%Above | 409 | |
8 | MOVEMENT MORTGAGE, LLC Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Strong | $4,635Fees | 0.068%Above | 248 | |
9 | LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Sound* | Strong | Strong | $4,213Fees | 0.360%Above | 141 | |
10 | KeyBank National Association BankDirect | Strong | Strong | Strong | Sound | $2,733Fees | 0.112%Above | 27 | |
11 | THE LOAN STORE, INC. Independent Mortgage CompanyWholesale | Strong | Acceptable* | Strong | Strong | $2,875Fees | 0.089%Above | 184 | |
12 | Wells Fargo Bank, National Association BankDirect | Strong | Strong | Sound | Strong | $2,917Fees | 0.236%Above | 97 | |
13 | ARK-LA-TEX FINANCIAL SERVICES, LLC. Independent Mortgage CompanyDirect & Wholesale | Strong | Sound* | Exceptional | Sound | $2,072Fees | 0.199%Above | 50 | |
14 | NEWREZ LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Acceptable* | Sound | Exceptional | $2,557Fees | 0.310%Above | 713 | |
15 | Mortgage Research Center, LLC Independent Mortgage CompanyDirect | Strong | Acceptable | Strong | Strong | $676Fees | 0.450%Above | 331 | |
16 | PRIMELENDING, A PLAINSCAPITAL COMPANY Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Strong | $5,181Fees | 0.055%Below | 177 | |
17 | FREEDOM MORTGAGE CORPORATION Independent Mortgage CompanyDirect & Wholesale | Strong | Sound* | Strong | Sound | $5,652Fees | 0.096%Below | 66 | |
18 | GUARANTEED RATE, INC. Independent Mortgage CompanyDirect | Sound | Sound | Strong | Strong | $3,057Fees | 0.229%Above | 138 | |
19 | CORNERSTONE CAPITAL BANK, SSB BankDirect | Sound | Acceptable | Strong | Strong | $4,793Fees | 0.074%Above | 199 | |
20 | GUILD MORTGAGE COMPANY LLC Independent Mortgage CompanyDirect | Sound | Acceptable | Exceptional | Strong | $4,117Fees | 0.016%Below | 119 | |
21 | PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale | Sound | Sound* | Strong | Sound | $1,952Fees | 0.382%Below | 45 | |
22 | Flagstar Bank, N.A. BankDirect & Wholesale | Sound | Acceptable* | Strong | Sound | $2,580Fees | 0.120%Above | 42 | |
23 | NuVision Federal Credit Union Credit UnionDirect | Sound | Sound | Sound | Strong | $3,226Fees | 0.087%Below | 71 | |
24 | CMG MORTGAGE, INC. Independent Mortgage CompanyDirect | Sound | Acceptable | Exceptional | Sound | $4,086Fees | 0.274%Above | 35 | |
25 | USAA Federal Savings Bank BankDirect | Sound | Sound | Sound | Strong | $2,344Fees | 0.204%Below | 98 | |
26 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect | Sound | Acceptable | Exceptional | Sound | $4,486Fees | 0.341%Above | 36 | |
27 | KIND LENDING, LLC Independent Mortgage CompanyWholesale | Sound | Acceptable* | Strong | Sound | $3,829Fees | 0.280%Above | 24 | |
28 | MUTUAL OF OMAHA MORTGAGE, INC. Independent Mortgage CompanyDirect | Sound | Sound | Sound | Sound | $1,989Fees | 0.681%Below | 21 | |
29 | First National Bank Alaska BankDirect | Sound | Acceptable | Sound | Strong | $4,772Fees | 0.015%Above | 152 | |
30 | PRIMARY RESIDENTIAL MORTGAGE, INC. Independent Mortgage CompanyDirect | Sound | Mediocre | Strong | Strong | $4,484Fees | 0.113%Above | 85 | |
31 | Plains Commerce Bank BankWholesale | Sound | Acceptable* | Strong | Sound | $3,438Fees | 0.206%Above | 36 | |
32 | CANOPY MORTGAGE, LLC Independent Mortgage CompanyDirect | Sound | Acceptable | Strong | Strong | $4,589Fees | 0.035%Above | 88 | |
33 | CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect | Sound | Acceptable | Strong | Sound | $2,459Fees | 0.083%Above | 63 | |
34 | GENEVA FINANCIAL, LLC Independent Mortgage CompanyDirect | Sound | Mediocre | Exceptional | Sound | $6,138Fees | 0.445%Above | 50 | |
35 | HOMEOWNERS FINANCIAL GROUP USA, LLC Independent Mortgage CompanyDirect | Sound | Mediocre | Strong | Sound | $4,313Fees | 0.027%Below | 45 | |
36 | PLAZA HOME MORTGAGE, INC. Independent Mortgage CompanyWholesale | Sound | Acceptable* | Strong | Sound | $4,202Fees | 0.013%Below | 25 | |
37 | NATIONSTAR MORTGAGE LLC Independent Mortgage CompanyDirect | Sound | Acceptable | Strong | Sound | $3,213Fees | 0.339%Above | 32 | |
38 | Paramount Residential Mortgage Group, Inc. Independent Mortgage CompanyDirect & Wholesale | Sound | Acceptable* | Strong | Sound | $4,133Fees | 0.344%Above | 24 | |
39 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC Independent Mortgage CompanyDirect | Sound | Mediocre | Strong | Sound | $2,792Fees | 0.286%Above | 24 | |
40 | NEW AMERICAN FUNDING, LLC Independent Mortgage CompanyDirect | Sound | Acceptable | Sound | Sound | $3,003Fees | 0.409%Above | 38 | |
41 | CHURCHILL MORTGAGE CORPORATION Independent Mortgage CompanyDirect | Sound | Mediocre | Strong | Sound | $4,690Fees | 0.449%Above | 28 | |
42 | North American Savings Bank, F.S.B. BankDirect | Sound | Sound | Acceptable | Sound | $977Fees | 0.205%Below | 28 | |
43 | MATANUSKA VALLEY FEDERAL CREDIT UNION Credit UnionDirect | Sound | Acceptable | Acceptable | Strong | $2,086Fees | 0.484%Above | 44 | |
44 | The Federal Savings Bank BankDirect | Acceptable | Mediocre | Sound | Sound | $4,111Fees | 0.425%Above | 38 | |
45 | MISSION LOANS, LLC Independent Mortgage CompanyDirect | Acceptable | — | Mediocre | Sound | $1,673Fees | 1.315%Above | 34 | |
46 | TRUE NORTH FEDERAL CREDIT UNION Credit UnionDirect | Acceptable | Acceptable | Acceptable | Strong | $4,061Fees | 0.239%Above | 33 | |
47 | AMERISAVE MORTGAGE CORPORATION Independent Mortgage CompanyDirect | Acceptable | Mediocre | Acceptable | Sound | $3,908Fees | 0.813%Above | 23 |
Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.
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.
⚖️ Licensing & Disclosures
Lender rankings and market statistics are created by Dylan Hall, licensed mortgage loan officer (NMLS #1658740). Safe Rate is a mortgage technology platform; mortgage lending services are provided by PartnerOwn LLC dba Safe Rate Mortgage, a licensed mortgage broker and lender (NMLS #1590949). Safe Rate Mortgage is a lending partner of some of the lenders ranked on this page, and Safe Rate Inc. has software or service customers on this list; however, all rankings are calculated using objective, public Home Mortgage Disclosure Act (HMDA) datasets, completely independent of any corporate partnerships, client relationships, or compensation.