Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | NBKC BANKBank | Exceptional | Exceptional | Exceptional | Strong | — | $560Fees | 0.167%Below | 7,357 | |
2 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | — | $2,828Fees | 0.185%Above | 285,901 | |
3 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | — | $749Fees | 0.493%Below | 31,887 | |
4 | Ameris BankBank | Exceptional | Strong | Exceptional | Exceptional | — | $2,801Fees | 0.172%Above | 11,244 | |
5 | Fifth Third Bank, National AssociationBank | Exceptional | Exceptional | Strong | Strong | — | $542Fees | 0.263%Above | 10,811 | |
6 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | — | $3,102Fees | 0.063%Above | 7,432 | |
7 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | — | $2,477Fees | 0.229%Above | 51,353 | |
8 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | — | $283Fees | 0.033%Above | 37,416 | |
9 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | — | $2,402Fees | 0.164%Above | 37,313 | |
10 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | — | $1,952Fees | 0.038%Above | 35,887 | |
11 | The Huntington National BankBank | Exceptional | Strong | Exceptional | Strong | — | $415Fees | 0.374%Above | 18,842 | |
12 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | — | $2,384Fees | 0.287%Above | 18,786 | |
13 | KIND LENDING, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | — | $2,761Fees | 0.348%Above | 13,399 | |
14 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | — | $2,588Fees | 0.279%Above | 12,743 | |
15 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | — | $2,206Fees | 0.608%Above | 9,656 | |
16 | JPMorgan Chase Bank, National AssociationBank | Strong | Strong | Exceptional | Sound | — | $2,283Fees | 0.135%Above | 67,126 | |
17 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | — | $2,921Fees | 0.343%Above | 51,046 | |
18 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Exceptional | — | $2,940Fees | 0.289%Above | 46,733 | |
19 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | — | $3,445Fees | 0.321%Above | 21,082 | |
20 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Exceptional | — | $2,079Fees | 0.294%Above | 14,849 | |
21 | USAA Federal Savings BankBank | Strong | Strong | Exceptional | Sound | — | $1,831Fees | 0.129%Below | 12,100 | |
22 | Bell BankBank | Strong | Sound | Exceptional | Exceptional | — | $2,876Fees | 0.274%Above | 7,696 | |
23 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | — | $2,582Fees | 0.136%Above | 57,340 | |
24 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | — | $2,479Fees | 0.382%Above | 32,880 | |
25 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | — | $2,572Fees | 0.351%Above | 23,726 | |
26 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | — | $3,279Fees | 0.479%Above | 17,073 | |
27 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | — | $2,398Fees | 0.284%Above | 16,835 | |
28 | Truist BankBank | Strong | Strong | Strong | Sound | — | $802Fees | 0.078%Above | 13,874 | |
29 | Plains Commerce BankBank | Strong | Sound | Exceptional | Strong | — | $2,989Fees | 0.278%Above | 11,610 | |
30 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | — | $2,029Fees | 0.181%Above | 11,542 | |
31 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | — | $2,801Fees | 0.380%Above | 11,165 | |
32 | Citizens Bank, National AssociationBank | Strong | Strong | Strong | Sound | — | $1,074Fees | 0.029%Above | 9,612 | |
33 | Manufacturers and Traders Trust CompanyBank | Strong | Sound | Exceptional | Strong | — | $1,064Fees | 0.105%Above | 7,577 | |
34 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | — | $3,881Fees | 0.334%Above | 266,411 | |
35 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | — | $3,254Fees | 0.445%Above | 61,160 | |
36 | Wells Fargo Bank, National AssociationBank | Strong | Sound | Exceptional | Sound | — | $1,660Fees | 0.017%Below | 34,079 | |
37 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | — | $3,705Fees | 0.346%Above | 16,100 | |
38 | FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | — | $1,570Fees | 0.401%Above | 13,335 | |
39 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | — | $2,818Fees | 0.429%Above | 9,840 | |
40 | OCMBC, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | — | $3,899Fees | 0.665%Above | 8,372 | |
41 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | — | $3,961Fees | 0.505%Above | 8,262 | |
42 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | — | $3,549Fees | 0.497%Above | 86,295 | |
43 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | — | $1,956Fees | 0.540%Above | 60,588 | |
44 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | — | $3,553Fees | 0.387%Above | 58,550 | |
45 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | — | $2,996Fees | 0.562%Above | 23,240 | |
46 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | — | $3,487Fees | 0.386%Above | 21,352 | |
47 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | — | $2,834Fees | 0.450%Above | 15,793 | |
48 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | — | $3,469Fees | 0.467%Above | 11,689 | |
49 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | — | $2,852Fees | 0.180%Above | 9,468 | |
50 | DAS Acquisition Company, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | — | $2,766Fees | 0.587%Above | 7,507 |
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.