Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,775Fees | 0.235%Above | 1,250 | |
2 | Associated Bank, National AssociationBank | Exceptional | Exceptional | Strong | Strong | Strong | $723Fees | 0.203%Below | 273 | |
3 | MEGASTAR FINANCIAL CORP.Independent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Strong | $6,765Credit | 0.340%Above | 172 | |
4 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,020Fees | 0.265%Above | 3,122 | |
5 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Sound | Exceptional | $677Fees | 0.140%Above | 972 | |
6 | Alerus Financial, National AssociationBank | Exceptional | Strong | Strong | Strong | Exceptional | $1,331Fees | 0.322%Above | 647 | |
7 | The Huntington National BankBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,501Fees | 0.244%Above | 601 | |
8 | Old National BankBank | Exceptional | Exceptional | Strong | Sound | Strong | $954Fees | 0.145%Below | 298 | |
9 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,879Fees | 0.281%Above | 274 | |
10 | Royal Credit UnionCredit Union | Exceptional | Sound | Strong | Exceptional | Exceptional | $2,928Fees | 0.241%Above | 1,191 | |
11 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $2,421Fees | 0.109%Above | 745 | |
12 | SWBC MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,690Fees | 0.449%Above | 375 | |
13 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,083Fees | 0.255%Above | 2,263 | |
14 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,504Fees | 0.404%Above | 1,467 | |
15 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,799Fees | 0.175%Above | 620 | |
16 | M/I FINANCIAL, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $5,775Fees | 0.222%Below | 586 | |
17 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $2,303Fees | 0.304%Above | 325 | |
18 | Plains Commerce BankBank | Strong | Sound | Exceptional | Strong | Strong | $2,553Fees | 0.291%Above | 221 | |
19 | Bell BankBank | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,964Fees | 0.254%Above | 3,624 | |
20 | TRUSTONE FINANCIAL CREDIT UNIONCredit Union | Strong | Sound | Strong | Sound | Exceptional | $1,544Fees | 0.021%Below | 908 | |
21 | Wells Fargo Bank, National AssociationBank | Strong | Sound | Strong | Sound | Exceptional | $1,830Fees | 0.004%Below | 880 | |
22 | Tradition Mortgage, LLCIndependent Mortgage Company | Strong | Sound | Sound | Strong | Exceptional | $2,007Fees | 0.191%Above | 826 | |
23 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $2,457Fees | 0.320%Above | 453 | |
24 | GRANITE BANKBank | Strong | Sound | Strong | Strong | Strong | $3,212Fees | 0.313%Above | 318 | |
25 | Cambria Financial Group, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $2,513Fees | 0.213%Above | 251 | |
26 | Bremer Bank, National AssociationBank | Strong | Sound | Strong | Strong | Strong | $3,146Fees | 0.216%Above | 204 | |
27 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,388Fees | 0.299%Above | 198 | |
28 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,446Fees | 0.500%Above | 165 | |
29 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,704Fees | 0.340%Above | 94 | |
30 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,495Fees | 0.185%Above | 634 | |
31 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,962Fees | 0.354%Above | 575 | |
32 | Summit Mortgage CorporationIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $3,358Fees | 0.344%Above | 468 | |
33 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,711Fees | 0.444%Above | 440 | |
34 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,983Fees | 0.455%Above | 436 | |
35 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,291Fees | 0.272%Above | 431 | |
36 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,486Fees | 0.301%Above | 427 | |
37 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,459Fees | 0.156%Above | 335 | |
38 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Sound | Strong | $2,172Fees | 0.122%Above | 328 | |
39 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,719Fees | 0.517%Above | 278 | |
40 | Barrington Bank & Trust Company, National AssociationBank | Strong | Acceptable | Exceptional | Strong | Strong | $2,682Fees | 0.362%Above | 223 | |
41 | Servion, Inc.Independent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $2,251Fees | 0.158%Above | 161 | |
42 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $5,014Fees | 0.601%Above | 135 | |
43 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,854Fees | 0.393%Above | 2,217 | |
44 | Luminate Home Loans, Inc.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,563Fees | 0.391%Above | 1,130 | |
45 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $1,701Fees | 0.254%Above | 362 | |
46 | MASON MCDUFFIE MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $4,318Fees | 0.177%Above | 187 | |
47 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $1,539Fees | 0.087%Above | 167 | |
48 | ZILLOW HOME LOANS, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,971Fees | 0.386%Above | 96 | |
49 | Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,650Fees | 0.126%Above | 93 | |
50 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,075Fees | 0.220%Above | 91 |
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.