Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | ONE NEVADA CREDIT UNIONCredit Union | Exceptional | Exceptional | Strong | Exceptional | $1,755Fees | 0.262%Below | 235 | |
2 | U.S. Bank National AssociationBank | Exceptional | Strong | Strong | Exceptional | $1,303Fees | 0.041%Above | 615 | |
3 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Sound | Strong | $860Fees | 0.518%Below | 394 | |
4 | FBC MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | $2,666Fees | 0.375%Above | 199 | |
5 | NBKC BANKBank | Exceptional | Exceptional | Sound | Strong | $748Fees | 0.239%Below | 122 | |
6 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $3,607Fees | 0.232%Above | 3,738 | |
7 | Zions Bancorporation, N.A.Bank | Strong | Strong | Sound | Exceptional | $1,525Fees | 0.098%Below | 375 | |
8 | Bank of America, National AssociationBank | Strong | Strong | Strong | Strong | $1,927Fees | 0.099%Below | 239 | |
9 | UNITED FEDERAL CREDIT UNIONCredit Union | Strong | Strong | Strong | Strong | $2,640Fees | 0.000%Above | 122 | |
10 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | $3,492Fees | 0.108%Above | 1,023 | |
11 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | $3,202Fees | 0.198%Above | 763 | |
12 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Sound | Strong | Exceptional | $3,739Fees | 0.414%Above | 665 | |
13 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Exceptional | $3,097Fees | 0.140%Above | 637 | |
14 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | $3,277Fees | 0.144%Above | 527 | |
15 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Strong | Sound | Strong | Exceptional | $2,024Fees | 0.712%Above | 490 | |
16 | Wells Fargo Bank, National AssociationBank | Strong | Strong | Sound | Strong | $2,089Fees | 0.047%Above | 424 | |
17 | GREATER NEVADA LLCIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | $2,464Fees | 0.270%Below | 204 | |
18 | CLARK COUNTY CREDIT UNIONCredit Union | Strong | Strong | Sound | Strong | $2,754Fees | 0.037%Above | 116 | |
19 | FIRST COLONY MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | $2,695Fees | 0.105%Above | 92 | |
20 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $4,429Fees | 0.368%Above | 2,854 | |
21 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $4,641Fees | 0.206%Above | 2,532 | |
22 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $4,085Fees | 0.545%Above | 580 | |
23 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,989Fees | 0.366%Above | 531 | |
24 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $2,087Fees | 0.270%Above | 123 | |
25 | ALLIED MORTGAGE GROUP, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | $5,109Fees | 0.466%Above | 123 | |
26 | General Mortgage Capital CorporationIndependent Mortgage Company | Strong | Sound | Strong | Strong | $3,406Fees | 0.270%Above | 81 | |
27 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $4,492Fees | 0.605%Above | 876 | |
28 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $4,379Fees | 0.651%Above | 462 | |
29 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $4,611Fees | 0.541%Above | 279 | |
30 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Sound | Strong | $3,015Fees | 0.152%Above | 277 | |
31 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,557Fees | 0.389%Above | 214 | |
32 | NOVA FINANCIAL & INVESTMENT CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,629Fees | 0.316%Above | 154 | |
33 | Nations Lending CorporationIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,612Fees | 0.263%Above | 153 | |
34 | GoodLeap, LLCIndependent Mortgage Company | Strong | Sound | Sound | Strong | $5,086Fees | 0.282%Below | 142 | |
35 | USAA Federal Savings BankBank | Strong | Sound | Sound | Strong | $1,976Fees | 0.121%Below | 133 | |
36 | AMERICA FIRST Federal Credit UnionCredit Union | Strong | Sound | Sound | Strong | $2,024Fees | 0.199%Above | 126 | |
37 | Mountain America Federal Credit UnionCredit Union | Strong | Sound | Sound | Strong | $3,058Fees | 0.042%Below | 91 | |
38 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $4,565Fees | 0.717%Above | 529 | |
39 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,142Fees | 0.340%Above | 345 | |
40 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $4,418Fees | 0.383%Above | 238 | |
41 | Plains Commerce BankBank | Strong | Acceptable | Strong | Strong | $3,502Fees | 0.210%Above | 219 | |
42 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,865Fees | 0.491%Above | 217 | |
43 | CANOPY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $4,729Fees | 0.329%Above | 211 | |
44 | OCMBC, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $4,116Fees | 0.931%Above | 197 | |
45 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,723Fees | 0.476%Above | 194 | |
46 | ZILLOW HOME LOANS, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,998Fees | 0.414%Above | 170 | |
47 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,848Fees | 0.542%Above | 160 | |
48 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,881Fees | 0.207%Above | 155 | |
49 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $4,477Fees | 0.284%Above | 142 | |
50 | Flagstar Bank, N.A.Bank | Strong | Acceptable | Strong | Strong | $2,954Fees | 0.374%Above | 140 |
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.