Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $3,056Fees | 0.293%Above | 4,740 | |
2 | Gate City BankBank | Exceptional | Exceptional | Strong | Exceptional | Strong | $2,700Fees | 0.206%Below | 321 | |
3 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $873Fees | 0.173%Above | 1,505 | |
4 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,669Fees | 0.249%Above | 1,495 | |
5 | Old National BankBank | Exceptional | Exceptional | Strong | Strong | Strong | $977Fees | 0.128%Below | 331 | |
6 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $712Fees | 0.499%Below | 213 | |
7 | MEGASTAR FINANCIAL CORP.Independent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Strong | $6,798Credit | 0.338%Above | 189 | |
8 | IOWA BANKERS MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Strong | $2,324Fees | 0.030%Above | 159 | |
9 | First Federal BankBank | Exceptional | Exceptional | Exceptional | Sound | Strong | $2,160Fees | 0.269%Below | 152 | |
10 | Bell BankBank | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,925Fees | 0.253%Above | 4,389 | |
11 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $3,257Fees | 0.224%Above | 977 | |
12 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,482Fees | 0.106%Above | 936 | |
13 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,937Fees | 0.358%Above | 718 | |
14 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,696Fees | 0.391%Above | 433 | |
15 | Tradition Mortgage, LLCIndependent Mortgage Company | Exceptional | Sound | Strong | Exceptional | Exceptional | $2,101Fees | 0.205%Above | 925 | |
16 | M/I FINANCIAL, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $5,775Fees | 0.222%Below | 586 | |
17 | Merchants Bank, National AssociationBank | Exceptional | Strong | — | Strong | Exceptional | $2,010Fees | 0.053%Below | 538 | |
18 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,714Fees | 0.448%Above | 507 | |
19 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,320Fees | 0.283%Above | 458 | |
20 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $2,267Fees | 0.142%Above | 396 | |
21 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,266Fees | 0.337%Above | 335 | |
22 | USAA Federal Savings BankBank | Exceptional | Strong | Exceptional | Sound | Strong | $2,016Fees | 0.109%Below | 194 | |
23 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,571Fees | 0.291%Above | 153 | |
24 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,910Fees | 0.325%Above | 3,524 | |
25 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,456Fees | 0.465%Above | 2,146 | |
26 | Wells Fargo Bank, National AssociationBank | Strong | Sound | Exceptional | Sound | Exceptional | $2,002Fees | 0.060%Above | 1,187 | |
27 | TRUSTONE FINANCIAL CREDIT UNIONCredit Union | Strong | Strong | Sound | Sound | Exceptional | $1,571Fees | 0.014%Below | 1,006 | |
28 | Alerus Financial, National AssociationBank | Strong | Sound | Strong | Strong | Exceptional | $1,608Fees | 0.259%Above | 958 | |
29 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,963Fees | 0.265%Above | 948 | |
30 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,483Fees | 0.329%Above | 605 | |
31 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,423Fees | 0.155%Above | 595 | |
32 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $2,385Fees | 0.259%Above | 578 | |
33 | Servion, Inc.Independent Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $2,269Fees | 0.253%Above | 512 | |
34 | GRANITE BANKBank | Strong | Sound | Strong | Strong | Exceptional | $3,195Fees | 0.318%Above | 495 | |
35 | Plains Commerce BankBank | Strong | Sound | Exceptional | Strong | Strong | $2,432Fees | 0.366%Above | 424 | |
36 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,735Fees | 0.092%Above | 204 | |
37 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $4,935Fees | 0.619%Above | 150 | |
38 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,865Fees | 0.409%Above | 2,661 | |
39 | Royal Credit UnionCredit Union | Strong | Acceptable | Strong | Exceptional | Exceptional | $3,081Fees | 0.268%Above | 1,205 | |
40 | Summit Mortgage CorporationIndependent Mortgage Company | Strong | Sound | Strong | Sound | Exceptional | $3,170Fees | 0.354%Above | 639 | |
41 | North Shore Bank of CommerceBank | Strong | Acceptable | Strong | Exceptional | Exceptional | $3,437Fees | 0.191%Above | 477 | |
42 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,183Fees | 0.529%Above | 399 | |
43 | Cambria Financial Group, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | Exceptional | $2,676Fees | 0.279%Above | 360 | |
44 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,117Fees | 0.385%Above | 760 | |
45 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,959Fees | 0.416%Above | 467 | |
46 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,359Fees | 0.312%Above | 460 | |
47 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,660Fees | 0.566%Above | 347 | |
48 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,351Fees | 0.461%Above | 305 | |
49 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,756Fees | 0.301%Above | 268 | |
50 | HOMEOWNERS FINANCIAL GROUP USA, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $3,979Fees | 0.455%Above | 307 |
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.