Safe Rate Rankings
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| 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 | $290Fees | 0.026%Below | 556 | |
2 | Wells Fargo Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $2,237Fees | 0.058%Above | 555 | |
3 | Bank of America, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,734Fees | 0.097%Below | 451 | |
4 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,045Fees | 0.570%Below | 386 | |
5 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,776Fees | 0.213%Above | 610 | |
6 | BMO Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,396Fees | 0.133%Above | 239 | |
7 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,172Fees | 0.130%Above | 10,650 | |
8 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,092Fees | 0.168%Above | 5,365 | |
9 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,561Fees | 0.154%Above | 1,275 | |
10 | Nations Lending CorporationIndependent Mortgage Company | Exceptional | Strong | Strong | Strong | Strong | $2,252Fees | 0.256%Above | 438 | |
11 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Exceptional | $1,462Fees | 0.403%Below | 2,246 | |
12 | NOVA FINANCIAL & INVESTMENT CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $2,926Fees | 0.400%Above | 970 | |
13 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,851Fees | 0.138%Above | 724 | |
14 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,889Fees | 0.051%Above | 692 | |
15 | Bell BankBank | Strong | Sound | Exceptional | Strong | Strong | $3,401Fees | 0.364%Above | 681 | |
16 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,468Fees | 0.290%Above | 460 | |
17 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,759Fees | 0.394%Above | 454 | |
18 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,103Fees | 0.482%Above | 2,471 | |
19 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,369Fees | 0.564%Above | 1,570 | |
20 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,640Fees | 0.468%Above | 1,246 | |
21 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $2,432Fees | 0.323%Above | 198 | |
22 | V.I.P. MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $3,522Fees | 0.414%Above | 1,599 | |
23 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,355Fees | 0.279%Above | 694 | |
24 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Strong | Sound | Acceptable | Strong | $2,802Fees | 0.119%Above | 336 | |
25 | OneAZ Credit UnionCredit Union | Strong | Sound | Strong | Sound | Strong | $454Fees | 0.167%Above | 217 | |
26 | NexBankBank | Strong | Acceptable | Exceptional | Strong | Strong | $1,827Fees | 0.406%Above | 148 | |
27 | NFM, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $2,668Fees | 0.742%Below | 1,004 | |
28 | Plains Commerce BankBank | Strong | Acceptable | Exceptional | Sound | Strong | $3,232Fees | 0.211%Above | 763 | |
29 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $3,008Fees | 0.408%Above | 694 | |
30 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $3,777Fees | 0.518%Above | 590 | |
31 | NEWREZ LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $2,227Fees | 0.278%Above | 476 | |
32 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $2,881Fees | 0.415%Above | 188 | |
33 | HOMEOWNERS FINANCIAL GROUP USA, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Sound | Exceptional | $3,295Fees | 0.385%Above | 581 | |
34 | Waterstone Mortgage CorporationIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $4,792Fees | 0.412%Above | 339 | |
35 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $3,544Fees | 0.286%Above | 327 | |
36 | DEFINE MORTGAGE SOLUTIONS, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $3,107Fees | 0.360%Above | 234 | |
37 | Sunflower Bank, National AssociationBank | Strong | Acceptable | Strong | Sound | Strong | $2,713Fees | 0.235%Above | 191 | |
38 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $2,275Fees | 0.235%Above | 161 | |
39 | ZILLOW HOME LOANS, LLCIndependent Mortgage Company | Sound | Sound | Sound | Mediocre | Strong | $3,021Fees | 0.325%Above | 631 | |
40 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $4,789Fees | 0.672%Above | 487 | |
41 | Flagstar Bank, N.A.Bank | Sound | Mediocre | Exceptional | Sound | Strong | $2,804Fees | 0.245%Above | 469 | |
42 | MORIA DEVELOPMENT, INC.Independent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $4,599Fees | 0.526%Above | 327 | |
43 | ON Q FINANCIAL, LLCIndependent Mortgage Company | Sound | Acceptable | Strong | Acceptable | Strong | $2,608Fees | 0.113%Below | 224 | |
44 | OCMBC, INC.Independent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $4,713Fees | 0.494%Above | 193 | |
45 | DIRECT MORTGAGE LOANS, LLCIndependent Mortgage Company | Sound | Mediocre | Sound | Exceptional | Strong | $4,268Fees | 0.482%Above | 191 | |
46 | GENEVA FINANCIAL, LLCIndependent Mortgage Company | Sound | Mediocre | Sound | Acceptable | Strong | $5,919Fees | 0.829%Above | 539 |
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.