Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | ONE NEVADA CREDIT UNIONCredit Union | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,755Fees | 0.262%Below | 235 | |
2 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $3,277Fees | 0.144%Above | 527 | |
3 | FBC MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,666Fees | 0.375%Above | 199 | |
4 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,607Fees | 0.232%Above | 3,738 | |
5 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Exceptional | $3,202Fees | 0.198%Above | 763 | |
6 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Sound | Exceptional | $1,303Fees | 0.041%Above | 615 | |
7 | Zions Bancorporation, N.A.Bank | Exceptional | Exceptional | Sound | Sound | Exceptional | $1,525Fees | 0.098%Below | 375 | |
8 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $3,881Fees | 0.207%Above | 155 | |
9 | NBKC BANKBank | Exceptional | Exceptional | Strong | Sound | Strong | $748Fees | 0.239%Below | 122 | |
10 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,492Fees | 0.108%Above | 1,023 | |
11 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,024Fees | 0.712%Above | 490 | |
12 | GoodLeap, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $5,086Fees | 0.282%Below | 142 | |
13 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,641Fees | 0.206%Above | 2,532 | |
14 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,142Fees | 0.340%Above | 345 | |
15 | Plains Commerce BankBank | Strong | Sound | Exceptional | Strong | Strong | $3,502Fees | 0.210%Above | 219 | |
16 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,723Fees | 0.476%Above | 194 | |
17 | NOVA FINANCIAL & INVESTMENT CORPORATIONIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,629Fees | 0.316%Above | 154 | |
18 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $2,954Fees | 0.374%Above | 140 | |
19 | ALLIED MORTGAGE GROUP, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $5,109Fees | 0.466%Above | 123 | |
20 | UNITED FEDERAL CREDIT UNIONCredit Union | Strong | Strong | Strong | Sound | Strong | $2,640Fees | 0.000%Above | 122 | |
21 | FIRST COLONY MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,695Fees | 0.105%Above | 92 | |
22 | Mountain America Federal Credit UnionCredit Union | Strong | Strong | Strong | Sound | Strong | $3,058Fees | 0.042%Below | 91 | |
23 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,429Fees | 0.368%Above | 2,854 | |
24 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,739Fees | 0.414%Above | 665 | |
25 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Sound | Exceptional | $3,097Fees | 0.140%Above | 637 | |
26 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,085Fees | 0.545%Above | 580 | |
27 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,989Fees | 0.366%Above | 531 | |
28 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,379Fees | 0.651%Above | 462 | |
29 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,557Fees | 0.389%Above | 214 | |
30 | GREATER NEVADA LLCIndependent Mortgage Company | Strong | Sound | Sound | Strong | Exceptional | $2,464Fees | 0.270%Below | 204 | |
31 | MORIA DEVELOPMENT, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,811Fees | 0.984%Above | 187 | |
32 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $2,766Fees | 0.412%Above | 177 | |
33 | Nations Lending CorporationIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,612Fees | 0.263%Above | 153 | |
34 | CLARK COUNTY CREDIT UNIONCredit Union | Strong | Strong | Sound | Sound | Strong | $2,754Fees | 0.037%Above | 116 | |
35 | Wells Fargo Bank, National AssociationBank | Strong | Sound | Strong | Sound | Strong | $2,089Fees | 0.047%Above | 424 | |
36 | EVERGREEN MONEYSOURCE MORTGAGE COMPANYIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $4,906Fees | 0.400%Above | 393 | |
37 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,611Fees | 0.541%Above | 279 | |
38 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,865Fees | 0.491%Above | 217 | |
39 | CANOPY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,729Fees | 0.329%Above | 211 | |
40 | OCMBC, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,116Fees | 0.931%Above | 197 | |
41 | ZILLOW HOME LOANS, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,998Fees | 0.414%Above | 170 | |
42 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,848Fees | 0.542%Above | 160 | |
43 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,477Fees | 0.284%Above | 142 | |
44 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,087Fees | 0.270%Above | 123 | |
45 | Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,055Fees | 0.244%Above | 93 | |
46 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $4,565Fees | 0.717%Above | 529 | |
47 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $3,015Fees | 0.152%Above | 277 | |
48 | MASON MCDUFFIE MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $3,753Fees | 0.456%Above | 114 | |
49 | The Federal Savings BankBank | Strong | Acceptable | Exceptional | Sound | Strong | $5,382Fees | 0.715%Above | 95 | |
50 | TJC Mortgage, Inc.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $4,492Fees | 0.275%Above | 91 |
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.