Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | ROGUE CREDIT UNIONCredit Union | Exceptional | Strong | Exceptional | Exceptional | $1,745Fees | 0.285%Below | 486 | |
2 | Morgan Stanley Private Bank, National AssociationBank | Exceptional | Exceptional | Strong | Strong | $411Fees | 0.423%Below | 93 | |
3 | ONPOINT COMMUNITY CREDIT UNIONCredit Union | Exceptional | Strong | Strong | Exceptional | $1,417Fees | 0.063%Above | 1,652 | |
4 | U.S. Bank National AssociationBank | Exceptional | Strong | Strong | Exceptional | $952Fees | 0.049%Above | 825 | |
5 | PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company | Exceptional | Exceptional | Sound | Strong | $1,419Fees | 0.057%Below | 375 | |
6 | FIRST TECHNOLOGY FEDERAL CREDIT UNIONCredit Union | Exceptional | Strong | Strong | Exceptional | $1,383Fees | 0.091%Above | 367 | |
7 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Sound | Strong | $1,082Fees | 0.591%Below | 211 | |
8 | NBKC BANKBank | Exceptional | Exceptional | Sound | Strong | $547Fees | 0.138%Below | 115 | |
9 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $3,243Fees | 0.099%Above | 3,302 | |
10 | KeyBank National AssociationBank | Strong | Strong | Strong | Strong | $2,551Fees | 0.033%Above | 204 | |
11 | Bank of America, National AssociationBank | Strong | Strong | Strong | Strong | $1,356Fees | 0.009%Below | 195 | |
12 | SAMMAMISH MORTGAGE COMPANYIndependent Mortgage Company | Strong | Strong | Strong | Strong | $1,686Fees | 0.122%Below | 111 | |
13 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | $3,927Fees | 0.236%Above | 753 | |
14 | Wells Fargo Bank, National AssociationBank | Strong | Strong | Sound | Strong | $2,490Fees | 0.022%Above | 369 | |
15 | SELCO COMMUNITYCredit Union | Strong | Strong | Sound | Strong | $1,839Fees | 0.273%Below | 169 | |
16 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | $2,086Fees | 0.312%Above | 123 | |
17 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $4,661Fees | 0.290%Above | 3,081 | |
18 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $4,190Fees | 0.178%Above | 2,353 | |
19 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,195Fees | 0.193%Above | 1,157 | |
20 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $4,826Fees | 0.411%Above | 909 | |
21 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $2,201Fees | 0.127%Above | 542 | |
22 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | $3,428Fees | 0.177%Above | 512 | |
23 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Strong | $2,598Fees | 0.131%Above | 500 | |
24 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Strong | $2,479Fees | 0.023%Below | 362 | |
25 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $4,409Fees | 0.113%Above | 225 | |
26 | NATIONS DIRECT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $3,060Fees | 0.214%Above | 1,166 | |
27 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $5,136Fees | 0.473%Above | 973 | |
28 | MORTGAGE EXPRESS, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $3,873Fees | 0.386%Above | 964 | |
29 | Umpqua BankBank | Strong | Acceptable | Strong | Exceptional | $3,020Fees | 0.276%Above | 683 | |
30 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $4,322Fees | 0.442%Above | 636 | |
31 | PACIFIC RESIDENTIAL MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $5,191Fees | 0.391%Above | 428 | |
32 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,709Fees | 0.514%Above | 345 | |
33 | Banner BankBank | Strong | Sound | Sound | Strong | $3,531Fees | 0.106%Above | 243 | |
34 | Nations Lending CorporationIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,777Fees | 0.246%Above | 222 | |
35 | LPMC, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $3,801Fees | 0.346%Above | 212 | |
36 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Sound | Strong | $3,055Fees | 0.234%Above | 187 | |
37 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $4,487Fees | 0.358%Above | 179 | |
38 | USAA Federal Savings BankBank | Strong | Sound | Sound | Strong | $2,139Fees | 0.159%Below | 161 | |
39 | Oregon State Credit UnionCredit Union | Strong | Sound | Sound | Strong | $2,614Fees | 0.069%Above | 143 | |
40 | BMO Bank National AssociationBank | Strong | Sound | Sound | Strong | $1,398Fees | 0.243%Above | 100 | |
41 | V.I.P. MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,118Fees | 0.146%Above | 89 | |
42 | RESICENTRAL, LLCIndependent Mortgage Company | Strong | Sound | Sound | Strong | $2,277Fees | 0.093%Above | 89 | |
43 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $1,718Fees | 0.322%Above | 528 | |
44 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,445Fees | 0.201%Above | 515 | |
45 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,211Fees | 0.270%Above | 418 | |
46 | Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,646Fees | 0.094%Above | 367 | |
47 | Flagstar Bank, N.A.Bank | Strong | Acceptable | Strong | Strong | $2,595Fees | 0.298%Above | 334 | |
48 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,636Fees | 0.210%Above | 321 | |
49 | Synergy One Lending, Inc.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $4,894Fees | 0.357%Above | 309 | |
50 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,645Fees | 0.491%Above | 228 |
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.