Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Gate City BankBank | Exceptional | Exceptional | Strong | Exceptional | Strong | $2,700Fees | 0.206%Below | 321 | |
2 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,669Fees | 0.249%Above | 1,495 | |
3 | Associated Bank, National AssociationBank | Exceptional | Exceptional | Strong | Strong | Strong | $821Fees | 0.198%Below | 219 | |
4 | MEGASTAR FINANCIAL CORP.Independent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Strong | $6,798Credit | 0.338%Above | 189 | |
5 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,056Fees | 0.293%Above | 4,740 | |
6 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Sound | Exceptional | $873Fees | 0.173%Above | 1,505 | |
7 | Alerus Financial, National AssociationBank | Exceptional | Strong | Strong | Strong | Exceptional | $1,608Fees | 0.259%Above | 958 | |
8 | The Huntington National BankBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,536Fees | 0.269%Above | 680 | |
9 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,696Fees | 0.391%Above | 433 | |
10 | Old National BankBank | Exceptional | Exceptional | Strong | Sound | Strong | $977Fees | 0.128%Below | 331 | |
11 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,571Fees | 0.291%Above | 153 | |
12 | Royal Credit UnionCredit Union | Exceptional | Sound | Strong | Exceptional | Exceptional | $3,081Fees | 0.268%Above | 1,205 | |
13 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $2,482Fees | 0.106%Above | 936 | |
14 | SWBC MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,681Fees | 0.453%Above | 379 | |
15 | ALTRA Federal Credit UnionCredit Union | Exceptional | Exceptional | Sound | Sound | Strong | $1,721Fees | 0.225%Above | 246 | |
16 | CORTRUST MORTGAGE, INC.Independent Mortgage Company | Exceptional | Strong | Strong | Strong | Strong | $3,033Fees | 0.110%Below | 171 | |
17 | First Western Bank & TrustBank | Exceptional | Exceptional | Sound | Sound | Strong | $3,078Fees | 0.108%Below | 142 | |
18 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,910Fees | 0.325%Above | 3,524 | |
19 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,456Fees | 0.465%Above | 2,146 | |
20 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,963Fees | 0.265%Above | 948 | |
21 | Bremer Bank, National AssociationBank | Strong | Sound | Strong | Strong | Exceptional | $2,946Fees | 0.260%Above | 716 | |
22 | M/I FINANCIAL, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $5,775Fees | 0.222%Below | 586 | |
23 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $2,385Fees | 0.259%Above | 578 | |
24 | Merchants Bank, National AssociationBank | Strong | Strong | Sound | Sound | Exceptional | $2,010Fees | 0.053%Below | 538 | |
25 | GRANITE BANKBank | Strong | Sound | Strong | Strong | Exceptional | $3,195Fees | 0.318%Above | 495 | |
26 | Plains Commerce BankBank | Strong | Sound | Exceptional | Strong | Strong | $2,432Fees | 0.366%Above | 424 | |
27 | Cambria Financial Group, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $2,676Fees | 0.279%Above | 360 | |
28 | Bell BankBank | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,925Fees | 0.253%Above | 4,389 | |
29 | Wells Fargo Bank, National AssociationBank | Strong | Sound | Strong | Sound | Exceptional | $2,002Fees | 0.060%Above | 1,187 | |
30 | TRUSTONE FINANCIAL CREDIT UNIONCredit Union | Strong | Sound | Strong | Sound | Exceptional | $1,571Fees | 0.014%Below | 1,006 | |
31 | Tradition Mortgage, LLCIndependent Mortgage Company | Strong | Sound | Sound | Strong | Exceptional | $2,101Fees | 0.205%Above | 925 | |
32 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $2,483Fees | 0.329%Above | 605 | |
33 | Servion, Inc.Independent Mortgage Company | Strong | Sound | Strong | Sound | Exceptional | $2,269Fees | 0.253%Above | 512 | |
34 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,266Fees | 0.337%Above | 335 | |
35 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,351Fees | 0.461%Above | 305 | |
36 | Nations Lending CorporationIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,959Fees | 0.494%Above | 169 | |
37 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,257Fees | 0.224%Above | 977 | |
38 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,937Fees | 0.358%Above | 718 | |
39 | Summit Mortgage CorporationIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $3,170Fees | 0.354%Above | 639 | |
40 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,423Fees | 0.155%Above | 595 | |
41 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,714Fees | 0.448%Above | 507 | |
42 | North Shore Bank of CommerceBank | Strong | Acceptable | Sound | Exceptional | Exceptional | $3,437Fees | 0.191%Above | 477 | |
43 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,959Fees | 0.416%Above | 467 | |
44 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,359Fees | 0.312%Above | 460 | |
45 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,320Fees | 0.283%Above | 458 | |
46 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,660Fees | 0.566%Above | 347 | |
47 | HOMEOWNERS FINANCIAL GROUP USA, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,979Fees | 0.455%Above | 307 | |
48 | Barrington Bank & Trust Company, National AssociationBank | Strong | Acceptable | Exceptional | Strong | Strong | $2,720Fees | 0.403%Above | 281 | |
49 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,935Fees | 0.619%Above | 150 | |
50 | ZILLOW HOME LOANS, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,140Fees | 0.462%Above | 131 |
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.