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 | Strong | Exceptional | Strong | Exceptional | $800Fees | 0.039%Below | 587 | |
2 | PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,186Fees | 0.076%Below | 333 | |
3 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $746Fees | 0.567%Below | 128 | |
4 | ONPOINT COMMUNITY CREDIT UNIONCredit Union | Exceptional | Strong | Strong | Strong | Exceptional | $1,361Fees | 0.057%Above | 1,479 | |
5 | Bank of America, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,329Fees | 0.061%Below | 154 | |
6 | KeyBank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $2,440Fees | 0.020%Below | 120 | |
7 | NBKC BANKBank | Exceptional | Exceptional | Strong | Sound | Strong | $792Fees | 0.132%Below | 97 | |
8 | Wells Fargo Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $2,448Fees | 0.013%Below | 265 | |
9 | Yakima Federal Savings and Loan AssociationBank | Exceptional | Strong | Strong | Strong | Strong | $421Fees | 0.038%Above | 72 | |
10 | Morgan Stanley Private Bank, National AssociationBank | Exceptional | Exceptional | Strong | Sound | Sound | $553Fees | 0.382%Below | 64 | |
11 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,162Fees | 0.113%Above | 2,496 | |
12 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,131Fees | 0.122%Above | 1,243 | |
13 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $2,385Fees | 0.042%Above | 343 | |
14 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,559Fees | 0.092%Above | 231 | |
15 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $4,290Fees | 0.099%Above | 185 | |
16 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,953Fees | 0.233%Above | 170 | |
17 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Strong | Strong | Sound | Strong | $2,632Fees | 0.201%Above | 103 | |
18 | SAMMAMISH MORTGAGE COMPANYIndependent Mortgage Company | Strong | Strong | Strong | Sound | Strong | $1,736Fees | 0.122%Below | 97 | |
19 | RESIDENTIAL MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,783Fees | 0.022%Below | 62 | |
20 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,500Fees | 0.248%Above | 1,873 | |
21 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,745Fees | 0.202%Above | 886 | |
22 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,753Fees | 0.392%Above | 640 | |
23 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $2,083Fees | 0.075%Above | 347 | |
24 | FIRST TECHNOLOGY FEDERAL CREDIT UNIONCredit Union | Strong | Sound | Strong | Sound | Exceptional | $1,245Fees | 0.103%Above | 309 | |
25 | COLUMBIA COMMUNITY CREDIT UNIONCredit Union | Strong | Strong | Sound | Sound | Strong | $1,607Fees | 0.081%Above | 116 | |
26 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $1,898Fees | 0.340%Above | 75 | |
27 | BMO Bank National AssociationBank | Strong | Strong | Strong | Sound | Sound | $1,302Fees | 0.198%Above | 64 | |
28 | Boeing Employees Credit UnionCredit Union | Strong | Strong | Strong | Sound | Sound | $1,850Fees | 0.029%Above | 59 | |
29 | NATIONS DIRECT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $3,078Fees | 0.198%Above | 939 | |
30 | MORTGAGE EXPRESS, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $3,667Fees | 0.384%Above | 691 | |
31 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $5,068Fees | 0.452%Above | 536 | |
32 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,400Fees | 0.145%Above | 489 | |
33 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,889Fees | 0.437%Above | 324 | |
34 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,335Fees | 0.187%Above | 276 | |
35 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,046Fees | 0.514%Above | 229 | |
36 | Flagstar Bank, N.A.Bank | Strong | Acceptable | Exceptional | Strong | Strong | $2,511Fees | 0.266%Above | 197 | |
37 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $2,201Fees | 0.009%Above | 192 | |
38 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,715Fees | 0.506%Above | 175 | |
39 | Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,103Fees | 0.109%Above | 173 | |
40 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,632Fees | 0.377%Above | 149 | |
41 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,937Fees | 0.323%Above | 135 | |
42 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,168Fees | 0.159%Above | 112 | |
43 | PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,076Fees | 0.285%Above | 96 | |
44 | NEWREZ LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $2,755Fees | 0.284%Above | 348 | |
45 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $3,036Fees | 0.454%Above | 219 | |
46 | Umpqua BankBank | Strong | Acceptable | Strong | Strong | Strong | $3,001Fees | 0.207%Above | 171 | |
47 | SCENIC OAKS FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $2,662Fees | 0.115%Above | 132 | |
48 | MASON MCDUFFIE MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $3,636Fees | 0.306%Above | 101 | |
49 | CANOPY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $5,001Fees | 0.401%Above | 92 | |
50 | Sunflower Bank, National AssociationBank | Strong | Acceptable | Strong | Strong | Strong | $5,037Fees | 0.244%Above | 84 |
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.