Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | ONPOINT COMMUNITY CREDIT UNIONCredit Union | Exceptional | Strong | Strong | Exceptional | $1,361Fees | 0.057%Above | 1,479 | |
2 | U.S. Bank National AssociationBank | Exceptional | Strong | Strong | Exceptional | $800Fees | 0.039%Below | 587 | |
3 | PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company | Exceptional | Exceptional | Sound | Strong | $1,186Fees | 0.076%Below | 333 | |
4 | FIRST TECHNOLOGY FEDERAL CREDIT UNIONCredit Union | Exceptional | Strong | Strong | Exceptional | $1,245Fees | 0.103%Above | 309 | |
5 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Sound | Strong | $746Fees | 0.567%Below | 128 | |
6 | NBKC BANKBank | Exceptional | Exceptional | Sound | Strong | $792Fees | 0.132%Below | 97 | |
7 | Morgan Stanley Private Bank, National AssociationBank | Exceptional | Exceptional | Strong | Sound | $553Fees | 0.382%Below | 64 | |
8 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $3,162Fees | 0.113%Above | 2,496 | |
9 | Bank of America, National AssociationBank | Strong | Strong | Strong | Strong | $1,329Fees | 0.061%Below | 154 | |
10 | KeyBank National AssociationBank | Strong | Strong | Strong | Strong | $2,440Fees | 0.020%Below | 120 | |
11 | SAMMAMISH MORTGAGE COMPANYIndependent Mortgage Company | Strong | Strong | Strong | Strong | $1,736Fees | 0.122%Below | 97 | |
12 | Wells Fargo Bank, National AssociationBank | Strong | Strong | Sound | Strong | $2,448Fees | 0.013%Below | 265 | |
13 | iQ Credit UnionCredit Union | Strong | Strong | Sound | Strong | $1,257Fees | 0.047%Above | 98 | |
14 | Yakima Federal Savings and Loan AssociationBank | Strong | Strong | Sound | Strong | $421Fees | 0.038%Above | 72 | |
15 | RESIDENTIAL MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | $3,783Fees | 0.022%Below | 62 | |
16 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $4,500Fees | 0.248%Above | 1,873 | |
17 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $4,131Fees | 0.122%Above | 1,243 | |
18 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,745Fees | 0.202%Above | 886 | |
19 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $4,753Fees | 0.392%Above | 640 | |
20 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | $3,400Fees | 0.145%Above | 489 | |
21 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $2,083Fees | 0.075%Above | 347 | |
22 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Strong | $2,385Fees | 0.042%Above | 343 | |
23 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $2,559Fees | 0.092%Above | 231 | |
24 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Strong | $2,201Fees | 0.009%Above | 192 | |
25 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $4,290Fees | 0.099%Above | 185 | |
26 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Sound | $1,898Fees | 0.340%Above | 75 | |
27 | Boeing Employees Credit UnionCredit Union | Strong | Strong | Sound | Sound | $1,850Fees | 0.029%Above | 59 | |
28 | NATIONS DIRECT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $3,078Fees | 0.198%Above | 939 | |
29 | MORTGAGE EXPRESS, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $3,667Fees | 0.384%Above | 691 | |
30 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,889Fees | 0.437%Above | 324 | |
31 | PACIFIC RESIDENTIAL MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $4,927Fees | 0.371%Above | 293 | |
32 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,046Fees | 0.514%Above | 229 | |
33 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $4,632Fees | 0.377%Above | 149 | |
34 | COLUMBIA COMMUNITY CREDIT UNIONCredit Union | Strong | Sound | Sound | Strong | $1,607Fees | 0.081%Above | 116 | |
35 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Sound | Strong | $2,632Fees | 0.201%Above | 103 | |
36 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $4,008Fees | 0.293%Above | 91 | |
37 | USAA Federal Savings BankBank | Strong | Sound | Sound | Strong | $1,885Fees | 0.109%Below | 85 | |
38 | Banner BankBank | Strong | Sound | Sound | Strong | $3,968Fees | 0.109%Above | 79 | |
39 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $5,068Fees | 0.452%Above | 536 | |
40 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,335Fees | 0.187%Above | 276 | |
41 | ZILLOW HOME LOANS, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $4,237Fees | 0.101%Above | 230 | |
42 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $1,294Fees | 0.473%Above | 203 | |
43 | Flagstar Bank, N.A.Bank | Strong | Acceptable | Strong | Strong | $2,511Fees | 0.266%Above | 197 | |
44 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,715Fees | 0.506%Above | 175 | |
45 | Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,103Fees | 0.109%Above | 173 | |
46 | Umpqua BankBank | Strong | Acceptable | Strong | Strong | $3,001Fees | 0.207%Above | 171 | |
47 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,953Fees | 0.233%Above | 170 | |
48 | HomeStreet BankBank | Strong | Acceptable | Strong | Strong | $2,022Fees | 0.141%Above | 152 | |
49 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,937Fees | 0.323%Above | 135 | |
50 | SCENIC OAKS FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,662Fees | 0.115%Above | 132 |
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.