Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | VERIDIAN CREDIT UNIONCredit Union | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $125Fees | 0.232%Below | 506 | |
2 | Pinnacle BankBank | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $1,087Fees | 0.066%Below | 251 | |
3 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $1,666Fees | 0.202%Above | 510 | |
4 | Access BankBank | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,454Fees | 0.132%Above | 324 | |
5 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $673Fees | 0.509%Below | 133 | |
6 | NBKC BANKBank | Exceptional | Exceptional | Exceptional | Strong | Sound | $474Fees | 0.294%Below | 45 | |
7 | First National Bank of OmahaBank | Exceptional | Strong | Strong | Strong | Exceptional | $1,199Fees | 0.180%Above | 850 | |
8 | CHARTER WEST BANKBank | Exceptional | Strong | Strong | Strong | Exceptional | $1,344Fees | 0.290%Above | 750 | |
9 | WEST GATE BANKBank | Exceptional | Strong | Strong | Strong | Exceptional | $970Fees | 0.130%Below | 429 | |
10 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,004Fees | 0.302%Above | 363 | |
11 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,280Fees | 0.350%Above | 285 | |
12 | Core BankBank | Exceptional | Strong | Strong | Strong | Exceptional | $1,066Fees | 0.131%Above | 263 | |
13 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $887Fees | 0.169%Above | 253 | |
14 | Arbor BankBank | Exceptional | Exceptional | Sound | Sound | Exceptional | $833Fees | 0.089%Above | 187 | |
15 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,428Fees | 0.080%Above | 162 | |
16 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $911Fees | 0.249%Above | 158 | |
17 | Union Bank and Trust CompanyBank | Exceptional | Exceptional | Sound | Strong | Strong | $977Fees | 0.101%Below | 134 | |
18 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,806Fees | 0.544%Above | 115 | |
19 | GERSHMAN INVESTMENT CORP.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,283Fees | 0.396%Above | 88 | |
20 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,201Fees | 0.314%Above | 291 | |
21 | First BankBank | Exceptional | Strong | Strong | Strong | Strong | $1,247Fees | 0.145%Above | 130 | |
22 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,808Fees | 0.387%Above | 682 | |
23 | Plains Commerce BankBank | Strong | Sound | Exceptional | Strong | Strong | $1,721Fees | 0.396%Above | 141 | |
24 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,081Fees | 0.101%Above | 124 | |
25 | Cobalt Credit UnionCredit Union | Strong | Exceptional | Sound | Acceptable | Strong | $556Fees | 0.054%Above | 96 | |
26 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $1,975Fees | 0.357%Above | 80 | |
27 | Gateway First BankBank | Strong | Sound | Exceptional | Strong | Strong | $1,405Fees | 0.159%Above | 71 | |
28 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,333Fees | 0.277%Above | 66 | |
29 | USAA Federal Savings BankBank | Strong | Strong | Exceptional | Sound | Sound | $1,344Fees | 0.210%Below | 53 | |
30 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $31Fees | 0.236%Above | 484 | |
31 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,275Fees | 0.386%Above | 281 | |
32 | American National BankBank | Strong | Sound | Sound | Strong | Exceptional | $1,635Fees | 0.315%Above | 184 | |
33 | FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,561Fees | 0.288%Above | 131 | |
34 | LoanUnited.com, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $570Fees | 0.182%Above | 59 | |
35 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $3,521Fees | 0.382%Above | 59 | |
36 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,148Fees | 0.243%Above | 313 | |
37 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,706Fees | 0.566%Above | 224 | |
38 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,896Fees | 0.485%Above | 70 | |
39 | REGENT FINANCIAL GROUP, INC.Independent Mortgage Company | Strong | Mediocre | Strong | Exceptional | Exceptional | $2,369Fees | 0.270%Above | 216 | |
40 | MORIA DEVELOPMENT, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $1,922Fees | 0.464%Above | 127 | |
41 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,255Fees | 0.331%Above | 59 | |
42 | CHURCHILL MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Strong | Strong | Exceptional | $3,058Fees | 0.475%Above | 270 | |
43 | Luminate Home Loans, Inc.Independent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $2,288Fees | 0.897%Above | 94 | |
44 | CASTLE & COOKE MORTGAGE, LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $3,405Fees | 0.296%Above | 58 | |
45 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Sound | $2,796Fees | 0.598%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.