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 | Exceptional | Exceptional | Strong | Exceptional | $1,303Fees | 0.041%Above | 615 | |
2 | Wells Fargo Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $2,089Fees | 0.047%Above | 424 | |
3 | Bank of America, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,927Fees | 0.099%Below | 239 | |
4 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $3,739Fees | 0.414%Above | 665 | |
5 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $860Fees | 0.518%Below | 394 | |
6 | Zions Bancorporation, N.A.Bank | Exceptional | Strong | Exceptional | Sound | Exceptional | $1,525Fees | 0.098%Below | 375 | |
7 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,607Fees | 0.232%Above | 3,738 | |
8 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,641Fees | 0.206%Above | 2,532 | |
9 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,202Fees | 0.198%Above | 763 | |
10 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,097Fees | 0.140%Above | 637 | |
11 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,085Fees | 0.545%Above | 580 | |
12 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,989Fees | 0.366%Above | 531 | |
13 | Nations Lending CorporationIndependent Mortgage Company | Exceptional | Strong | Strong | Strong | Strong | $2,612Fees | 0.263%Above | 153 | |
14 | UNITED FEDERAL CREDIT UNIONCredit Union | Exceptional | Strong | Strong | Strong | Strong | $2,640Fees | 0.000%Above | 122 | |
15 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Exceptional | $3,492Fees | 0.108%Above | 1,023 | |
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 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $4,611Fees | 0.541%Above | 279 | |
19 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $3,848Fees | 0.542%Above | 160 | |
20 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Exceptional | $4,631Fees | 0.429%Above | 811 | |
21 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,379Fees | 0.651%Above | 462 | |
22 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,142Fees | 0.340%Above | 345 | |
23 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $4,477Fees | 0.284%Above | 142 | |
24 | Mountain America Federal Credit UnionCredit Union | Strong | Sound | Strong | Sound | Strong | $3,058Fees | 0.042%Below | 91 | |
25 | EVERGREEN MONEYSOURCE MORTGAGE COMPANYIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,906Fees | 0.400%Above | 393 | |
26 | Citadel Servicing CorporationIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $8,149Fees | 1.780%Above | 84 | |
27 | OCMBC, INC.Independent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $4,116Fees | 0.931%Above | 197 | |
28 | Flagstar Bank, N.A.Bank | Sound | Mediocre | Exceptional | Sound | 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.