Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Citizens Bank of Las CrucesBank | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,328Fees | 0.290%Above | 247 | |
2 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,096Fees | 0.130%Above | 1,423 | |
3 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,014Fees | 0.234%Above | 303 | |
4 | NBKC BANKBank | Exceptional | Exceptional | Strong | Sound | Strong | $757Fees | 0.205%Below | 88 | |
5 | First American BankBank | Exceptional | Exceptional | Sound | Strong | Strong | $1,140Fees | 0.376%Above | 78 | |
6 | Rocky Mountain Mortgage CompanyIndependent Mortgage Company | Exceptional | Exceptional | Strong | Sound | Strong | $1,658Fees | 0.221%Below | 73 | |
7 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $1,135Fees | 0.010%Below | 154 | |
8 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $1,492Fees | 0.521%Above | 57 | |
9 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,180Fees | 0.365%Above | 1,738 | |
10 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,504Fees | 0.185%Above | 366 | |
11 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,133Fees | 0.344%Above | 197 | |
12 | Plains Commerce BankBank | Strong | Sound | Exceptional | Strong | Strong | $2,899Fees | 0.281%Above | 131 | |
13 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $2,298Fees | 0.309%Above | 126 | |
14 | MICHIGAN MUTUAL, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,616Fees | 0.662%Above | 63 | |
15 | GoodLeap, LLCIndependent Mortgage Company | Strong | Strong | Exceptional | Sound | Sound | $3,901Fees | 0.165%Above | 63 | |
16 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,307Fees | 0.550%Above | 1,346 | |
17 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,332Fees | 0.401%Above | 324 | |
18 | Nations Lending CorporationIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,021Fees | 0.403%Above | 107 | |
19 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $3,026Fees | 0.374%Above | 89 | |
20 | V.I.P. MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,836Fees | 0.514%Above | 87 | |
21 | CORNERSTONE CAPITAL BANK, SSBBank | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,609Fees | 0.467%Above | 71 | |
22 | Waterstone Mortgage CorporationIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $3,906Fees | 0.549%Above | 1,432 | |
23 | BOKF, National AssociationBank | Strong | Acceptable | Strong | Strong | Exceptional | $2,159Fees | 0.303%Above | 636 | |
24 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Exceptional | $3,967Fees | 0.441%Above | 517 | |
25 | NUSENDACredit Union | Strong | Sound | Sound | Sound | Exceptional | $1,279Fees | 0.292%Below | 479 | |
26 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,460Fees | 0.403%Above | 411 | |
27 | Bell BankBank | Strong | Acceptable | Exceptional | Strong | Strong | $3,078Fees | 0.214%Above | 263 | |
28 | Wells Fargo Bank, National AssociationBank | Strong | Sound | Strong | Sound | Strong | $2,285Fees | 0.173%Above | 242 | |
29 | Sunflower Bank, National AssociationBank | Strong | Acceptable | Exceptional | Strong | Strong | $3,068Fees | 0.400%Above | 169 | |
30 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,603Fees | 0.404%Above | 141 | |
31 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,392Fees | 0.412%Above | 133 | |
32 | Gateway First BankBank | Strong | Acceptable | Exceptional | Strong | Strong | $2,787Fees | 0.411%Above | 124 | |
33 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,609Fees | 0.609%Above | 123 | |
34 | MORTGAGE SOLUTIONS OF COLORADO, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,606Fees | 0.571%Above | 115 | |
35 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,658Fees | 0.456%Above | 96 | |
36 | Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,894Fees | 0.303%Above | 80 | |
37 | Commerce Home Mortgage, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,269Fees | 0.715%Above | 79 | |
38 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $2,070Fees | 0.373%Above | 74 | |
39 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,032Fees | 0.264%Above | 67 | |
40 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $2,918Fees | 0.482%Above | 53 | |
41 | HOMEBRIDGE FINANCIAL SERVICES, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Sound | $3,061Fees | 0.384%Above | 46 | |
42 | SUN AMERICAN MORTGAGE COMPANYIndependent Mortgage Company | Strong | Sound | Strong | Strong | Sound | $1,278Fees | 0.330%Above | 44 | |
43 | PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,958Fees | 0.516%Above | 876 | |
44 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $1,778Fees | 0.058%Below | 83 | |
45 | AMERISAVE MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $5,385Fees | 0.545%Above | 68 | |
46 | VAN DYK MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,229Fees | 0.574%Above | 50 | |
47 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,878Fees | 0.357%Above | 49 | |
48 | ZILLOW HOME LOANS, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,209Fees | 0.650%Above | 47 | |
49 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,761Fees | 0.244%Above | 45 | |
50 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $4,084Fees | 1.249%Above | 41 |
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.