Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $3,096Fees | 0.130%Above | 1,423 | |
2 | NBKC BANKBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $757Fees | 0.205%Below | 88 | |
3 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,230Fees | 0.547%Below | 296 | |
4 | Citizens Bank of Las CrucesBank | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,328Fees | 0.290%Above | 247 | |
5 | Rocky Mountain Mortgage CompanyIndependent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Strong | $1,658Fees | 0.221%Below | 73 | |
6 | CORNERSTONE CAPITAL BANK, SSBBank | Exceptional | Strong | Exceptional | Exceptional | Strong | $3,609Fees | 0.467%Above | 71 | |
7 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Exceptional | $2,847Fees | 0.116%Above | 491 | |
8 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,014Fees | 0.234%Above | 303 | |
9 | KIND LENDING, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,133Fees | 0.344%Above | 197 | |
10 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,135Fees | 0.010%Below | 154 | |
11 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,603Fees | 0.404%Above | 141 | |
12 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,460Fees | 0.403%Above | 411 | |
13 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,332Fees | 0.401%Above | 324 | |
14 | Bell BankBank | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,078Fees | 0.214%Above | 263 | |
15 | USAA Federal Savings BankBank | Exceptional | Strong | Exceptional | Sound | Strong | $1,831Fees | 0.105%Below | 213 | |
16 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $1,492Fees | 0.521%Above | 57 | |
17 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,180Fees | 0.365%Above | 1,738 | |
18 | NUSENDACredit Union | Strong | Strong | Sound | Sound | Exceptional | $1,279Fees | 0.292%Below | 479 | |
19 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,504Fees | 0.185%Above | 366 | |
20 | Plains Commerce BankBank | Strong | Sound | Exceptional | Strong | Strong | $2,899Fees | 0.281%Above | 131 | |
21 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $2,298Fees | 0.309%Above | 126 | |
22 | Gateway First BankBank | Strong | Sound | Exceptional | Strong | Strong | $2,787Fees | 0.411%Above | 124 | |
23 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,658Fees | 0.456%Above | 96 | |
24 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,026Fees | 0.374%Above | 89 | |
25 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,778Fees | 0.058%Below | 83 | |
26 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | Sound | $3,878Fees | 0.357%Above | 49 | |
27 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,307Fees | 0.550%Above | 1,346 | |
28 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,967Fees | 0.441%Above | 517 | |
29 | BOKF, National AssociationBank | Strong | Acceptable | Strong | Strong | Exceptional | $2,159Fees | 0.303%Above | 636 | |
30 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,826Fees | 0.420%Above | 309 | |
31 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,644Fees | 0.605%Above | 172 | |
32 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,392Fees | 0.412%Above | 133 | |
33 | MORTGAGE SOLUTIONS OF COLORADO, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,606Fees | 0.571%Above | 115 | |
34 | V.I.P. MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,836Fees | 0.514%Above | 87 | |
35 | Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,894Fees | 0.303%Above | 80 | |
36 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $2,070Fees | 0.373%Above | 74 | |
37 | HOMEBRIDGE FINANCIAL SERVICES, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Sound | $3,061Fees | 0.384%Above | 46 | |
38 | SUN AMERICAN MORTGAGE COMPANYIndependent Mortgage Company | Strong | Sound | Strong | Strong | Sound | $1,278Fees | 0.330%Above | 44 | |
39 | Waterstone Mortgage CorporationIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,906Fees | 0.549%Above | 1,432 | |
40 | PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,958Fees | 0.516%Above | 876 | |
41 | CALCON MUTUAL MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $4,232Fees | 0.494%Above | 176 | |
42 | Sunflower Bank, National AssociationBank | Strong | Acceptable | Strong | Strong | Strong | $3,068Fees | 0.400%Above | 169 | |
43 | Nations Lending CorporationIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $2,021Fees | 0.403%Above | 107 | |
44 | GENEVA FINANCIAL, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,270Fees | 0.779%Above | 101 | |
45 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $4,032Fees | 0.264%Above | 67 | |
46 | GoodLeap, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Sound | $3,901Fees | 0.165%Above | 63 | |
47 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,918Fees | 0.482%Above | 53 | |
48 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,761Fees | 0.244%Above | 45 | |
49 | AMERISAVE MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $5,385Fees | 0.545%Above | 68 | |
50 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $4,885Fees | 0.202%Above | 45 |
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.