Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,303Fees | 0.041%Above | 615 | |
2 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $860Fees | 0.518%Below | 394 | |
3 | Bank of America, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,927Fees | 0.099%Below | 239 | |
4 | NBKC BANKBank | Exceptional | Exceptional | Strong | Sound | Strong | $748Fees | 0.239%Below | 122 | |
5 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,492Fees | 0.108%Above | 1,023 | |
6 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,097Fees | 0.140%Above | 637 | |
7 | Wells Fargo Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $2,089Fees | 0.047%Above | 424 | |
8 | Zions Bancorporation, N.A.Bank | Exceptional | Strong | Strong | Sound | Exceptional | $1,525Fees | 0.098%Below | 375 | |
9 | UNITED FEDERAL CREDIT UNIONCredit Union | Exceptional | Strong | Strong | Strong | Strong | $2,640Fees | 0.000%Above | 122 | |
10 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,607Fees | 0.232%Above | 3,738 | |
11 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,641Fees | 0.206%Above | 2,532 | |
12 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Exceptional | $3,202Fees | 0.198%Above | 763 | |
13 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Strong | Strong | Sound | Strong | $3,015Fees | 0.152%Above | 277 | |
14 | ONE NEVADA CREDIT UNIONCredit Union | Strong | Strong | Sound | Sound | Exceptional | $1,755Fees | 0.262%Below | 235 | |
15 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,087Fees | 0.270%Above | 123 | |
16 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,429Fees | 0.368%Above | 2,854 | |
17 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,492Fees | 0.605%Above | 876 | |
18 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,739Fees | 0.414%Above | 665 | |
19 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,085Fees | 0.545%Above | 580 | |
20 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,989Fees | 0.366%Above | 531 | |
21 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Sound | Exceptional | $3,277Fees | 0.144%Above | 527 | |
22 | GREATER NEVADA LLCIndependent Mortgage Company | Strong | Sound | Sound | Strong | Exceptional | $2,464Fees | 0.270%Below | 204 | |
23 | Nations Lending CorporationIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,612Fees | 0.263%Above | 153 | |
24 | General Mortgage Capital CorporationIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $3,406Fees | 0.270%Above | 81 | |
25 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Exceptional | $4,631Fees | 0.429%Above | 811 | |
26 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $2,024Fees | 0.712%Above | 490 | |
27 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,379Fees | 0.651%Above | 462 | |
28 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,142Fees | 0.340%Above | 345 | |
29 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,611Fees | 0.541%Above | 279 | |
30 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,418Fees | 0.383%Above | 238 | |
31 | Plains Commerce BankBank | Strong | Acceptable | Exceptional | Strong | Strong | $3,502Fees | 0.210%Above | 219 | |
32 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,865Fees | 0.491%Above | 217 | |
33 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,557Fees | 0.389%Above | 214 | |
34 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,723Fees | 0.476%Above | 194 | |
35 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,848Fees | 0.542%Above | 160 | |
36 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,881Fees | 0.207%Above | 155 | |
37 | NOVA FINANCIAL & INVESTMENT CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,629Fees | 0.316%Above | 154 | |
38 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,477Fees | 0.284%Above | 142 | |
39 | GoodLeap, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $5,086Fees | 0.282%Below | 142 | |
40 | Flagstar Bank, N.A.Bank | Strong | Acceptable | Exceptional | Strong | Strong | $2,954Fees | 0.374%Above | 140 | |
41 | AMERICA FIRST Federal Credit UnionCredit Union | Strong | Sound | Strong | Sound | Strong | $2,024Fees | 0.199%Above | 126 | |
42 | ALLIED MORTGAGE GROUP, INC.Independent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $5,109Fees | 0.466%Above | 123 | |
43 | Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,055Fees | 0.244%Above | 93 | |
44 | FIRST COLONY MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,695Fees | 0.105%Above | 92 | |
45 | Mountain America Federal Credit UnionCredit Union | Strong | Sound | Strong | Sound | Strong | $3,058Fees | 0.042%Below | 91 | |
46 | PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,958Fees | 0.439%Above | 87 | |
47 | EVERGREEN MONEYSOURCE MORTGAGE COMPANYIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,906Fees | 0.400%Above | 393 | |
48 | CANOPY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $4,729Fees | 0.329%Above | 211 | |
49 | NEWREZ LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $2,766Fees | 0.412%Above | 177 | |
50 | MASON MCDUFFIE MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $3,753Fees | 0.456%Above | 114 |
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.