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 | U.S. Bank National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $757Credit | 0.116%Below | 157 | |
2 | Citibank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,282Credit | 0.233%Below | 89 | |
3 | Bank of America, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $560Fees | 0.254%Below | 74 | |
4 | Wells Fargo Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $844Fees | 0.282%Below | 50 | |
5 | Morgan Stanley Private Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Sound | $296Fees | 0.583%Below | 30 | |
6 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,201Fees | 0.140%Above | 106 | |
7 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,373Fees | 0.118%Above | 807 | |
8 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,509Fees | 0.146%Above | 584 | |
9 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,068Fees | 0.291%Above | 193 | |
10 | BMO Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Sound | $835Fees | 0.063%Above | 29 | |
11 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $2,814Fees | 0.078%Above | 115 | |
12 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $160Fees | 0.066%Above | 81 | |
13 | VENTURA COUNTY CREDIT UNIONCredit Union | Strong | Exceptional | — | Acceptable | Strong | $1,328Fees | 0.671%Below | 30 | |
14 | Charles Schwab Bank, SSBBank | Strong | Sound | Exceptional | Exceptional | Sound | $559Fees | 0.159%Below | 19 | |
15 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,163Fees | 0.476%Above | 138 | |
16 | AUGUSTA FINANCIAL, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $3,603Fees | 0.128%Above | 101 | |
17 | LOGIX FEDERAL CREDIT UNIONCredit Union | Strong | Sound | Strong | Sound | Strong | $23Fees | 0.171%Above | 42 | |
18 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Sound | Sound | $572Credit | 0.541%Above | 22 | |
19 | GOLDEN EMPIRE MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Sound | Exceptional | $2,137Fees | 0.255%Above | 157 | |
20 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $2,203Fees | 0.276%Above | 54 | |
21 | NexBankBank | Strong | Acceptable | Exceptional | Strong | Sound | $2,155Fees | 0.333%Above | 27 | |
22 | OCMBC, INC.Independent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $3,889Fees | 0.520%Above | 100 | |
23 | Logan Finance CorporationIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $2,119Fees | 1.248%Above | 18 | |
24 | HOMEXPRESS MORTGAGE CORP.Independent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $4,135Fees | 0.747%Above | 13 | |
25 | Commerce Home Mortgage, Inc.Independent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Sound | $6,531Fees | 0.624%Above | 22 | |
26 | ARC HOME LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Sound | $5,701Fees | 0.848%Above | 12 |
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.