Safe Rate Rankings
Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.
| 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 | $3,243Fees | 0.099%Above | 3,302 | |
2 | NBKC BANKBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $547Fees | 0.138%Below | 115 | |
3 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $952Fees | 0.049%Above | 825 | |
4 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,082Fees | 0.591%Below | 211 | |
5 | KeyBank National AssociationBank | Exceptional | Exceptional | Strong | Strong | Strong | $2,551Fees | 0.033%Above | 204 | |
6 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,195Fees | 0.193%Above | 1,157 | |
7 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,201Fees | 0.127%Above | 542 | |
8 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $3,428Fees | 0.177%Above | 512 | |
9 | KIND LENDING, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $3,211Fees | 0.270%Above | 418 | |
10 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,479Fees | 0.023%Below | 362 | |
11 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $300Credit | 0.449%Above | 98 | |
12 | ONPOINT COMMUNITY CREDIT UNIONCredit Union | Exceptional | Strong | Strong | Sound | Exceptional | $1,417Fees | 0.063%Above | 1,652 | |
13 | NEWREZ LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,879Fees | 0.284%Above | 819 | |
14 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,927Fees | 0.236%Above | 753 | |
15 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $4,322Fees | 0.442%Above | 636 | |
16 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $2,598Fees | 0.131%Above | 500 | |
17 | ROGUE CREDIT UNIONCredit Union | Exceptional | Strong | Strong | Sound | Exceptional | $1,745Fees | 0.285%Below | 486 | |
18 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $4,487Fees | 0.358%Above | 179 | |
19 | USAA Federal Savings BankBank | Exceptional | Strong | Exceptional | Sound | Strong | $2,139Fees | 0.159%Below | 161 | |
20 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,086Fees | 0.312%Above | 123 | |
21 | RESICENTRAL, LLCIndependent Mortgage Company | Exceptional | Strong | Strong | Strong | Strong | $2,277Fees | 0.093%Above | 89 | |
22 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,190Fees | 0.178%Above | 2,353 | |
23 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,826Fees | 0.411%Above | 909 | |
24 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,445Fees | 0.201%Above | 515 | |
25 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $2,595Fees | 0.298%Above | 334 | |
26 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,636Fees | 0.210%Above | 321 | |
27 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,645Fees | 0.491%Above | 228 | |
28 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,055Fees | 0.234%Above | 187 | |
29 | SAMMAMISH MORTGAGE COMPANYIndependent Mortgage Company | Strong | Strong | Strong | Sound | Strong | $1,686Fees | 0.122%Below | 111 | |
30 | Plains Commerce BankBank | Strong | Sound | Exceptional | Strong | Strong | $3,263Fees | 0.265%Above | 107 | |
31 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,661Fees | 0.290%Above | 3,081 | |
32 | NATIONS DIRECT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,060Fees | 0.214%Above | 1,166 | |
33 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $5,136Fees | 0.473%Above | 973 | |
34 | Wells Fargo Bank, National AssociationBank | Strong | Sound | Exceptional | Sound | Strong | $2,490Fees | 0.022%Above | 369 | |
35 | Umpqua BankBank | Strong | Acceptable | Strong | Strong | Exceptional | $3,020Fees | 0.276%Above | 683 | |
36 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,718Fees | 0.322%Above | 528 | |
37 | Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,646Fees | 0.094%Above | 367 | |
38 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,709Fees | 0.514%Above | 345 | |
39 | Banner BankBank | Strong | Sound | Strong | Sound | Strong | $3,531Fees | 0.106%Above | 243 | |
40 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,409Fees | 0.113%Above | 225 | |
41 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,230Fees | 0.266%Above | 190 | |
42 | GOLDEN EMPIRE MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Exceptional | Strong | $5,540Fees | 0.615%Above | 102 | |
43 | V.I.P. MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,118Fees | 0.146%Above | 89 | |
44 | SUMMIT FUNDING, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $5,739Fees | 0.581%Above | 681 | |
45 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $5,114Fees | 0.485%Above | 570 | |
46 | Synergy One Lending, Inc.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $4,894Fees | 0.357%Above | 309 | |
47 | ZILLOW HOME LOANS, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $4,012Fees | 0.177%Above | 227 | |
48 | LPMC, LLCIndependent Mortgage Company | Strong | Acceptable | Sound | Strong | Exceptional | $3,801Fees | 0.346%Above | 212 | |
49 | Sunflower Bank, National AssociationBank | Strong | Acceptable | Strong | Strong | Strong | $4,264Fees | 0.296%Above | 156 | |
50 | ENVOY MORTGAGE, LTDIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $3,418Fees | 0.237%Above | 104 |
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.