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 | Exceptional | $800Fees | 0.039%Below | 587 | |
2 | FIRST TECHNOLOGY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $1,245Fees | 0.103%Above | 309 | |
3 | Wells Fargo Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $2,448Fees | 0.013%Below | 265 | |
4 | Bank of America, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,329Fees | 0.061%Below | 154 | |
5 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $746Fees | 0.567%Below | 128 | |
6 | Morgan Stanley Private Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Sound | $553Fees | 0.382%Below | 64 | |
7 | ONPOINT COMMUNITY CREDIT UNIONCredit Union | Exceptional | Strong | Strong | Strong | Exceptional | $1,361Fees | 0.057%Above | 1,479 | |
8 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $3,400Fees | 0.145%Above | 489 | |
9 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,162Fees | 0.113%Above | 2,496 | |
10 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,131Fees | 0.122%Above | 1,243 | |
11 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,745Fees | 0.202%Above | 886 | |
12 | KeyBank National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $2,440Fees | 0.020%Below | 120 | |
13 | BMO Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Sound | $1,302Fees | 0.198%Above | 64 | |
14 | RESIDENTIAL MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Strong | Strong | Strong | $3,783Fees | 0.022%Below | 62 | |
15 | Boeing Employees Credit UnionCredit Union | Exceptional | Strong | Exceptional | Strong | Sound | $1,850Fees | 0.029%Above | 59 | |
16 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,083Fees | 0.075%Above | 347 | |
17 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $2,385Fees | 0.042%Above | 343 | |
18 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,889Fees | 0.437%Above | 324 | |
19 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $4,632Fees | 0.377%Above | 149 | |
20 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,500Fees | 0.248%Above | 1,873 | |
21 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,753Fees | 0.392%Above | 640 | |
22 | HomeStreet BankBank | Strong | Sound | Strong | Strong | Strong | $2,022Fees | 0.141%Above | 152 | |
23 | Yakima Federal Savings and Loan AssociationBank | Strong | Strong | Sound | Sound | Strong | $421Fees | 0.038%Above | 72 | |
24 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $5,068Fees | 0.452%Above | 536 | |
25 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,335Fees | 0.187%Above | 276 | |
26 | Umpqua BankBank | Strong | Acceptable | Exceptional | Strong | Strong | $3,001Fees | 0.207%Above | 171 | |
27 | CORNERSTONE CAPITAL BANK, SSBBank | Strong | Acceptable | Exceptional | Strong | Strong | $4,768Fees | 0.485%Above | 106 | |
28 | Banner BankBank | Strong | Sound | Strong | Sound | Strong | $3,968Fees | 0.109%Above | 79 | |
29 | NMSI, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $926Fees | 0.057%Above | 53 | |
30 | NEWREZ LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $2,755Fees | 0.284%Above | 348 | |
31 | SUMMIT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Exceptional | $3,620Fees | 0.268%Above | 291 | |
32 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $3,036Fees | 0.454%Above | 219 | |
33 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $3,715Fees | 0.506%Above | 175 | |
34 | COLUMBIA COMMUNITY CREDIT UNIONCredit Union | Strong | Sound | — | Sound | Strong | $1,607Fees | 0.081%Above | 116 | |
35 | EVERGREEN MONEYSOURCE MORTGAGE COMPANYIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,754Fees | 0.548%Above | 262 | |
36 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $3,046Fees | 0.514%Above | 229 | |
37 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $4,290Fees | 0.099%Above | 185 | |
38 | NATIONS DIRECT MORTGAGE, LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Sound | Exceptional | $3,078Fees | 0.198%Above | 939 | |
39 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $4,461Fees | 0.451%Above | 403 | |
40 | Flagstar Bank, N.A.Bank | Sound | Mediocre | Exceptional | Sound | Strong | $2,511Fees | 0.266%Above | 197 | |
41 | Unitus Community Credit UnionCredit Union | Sound | Acceptable | — | Sound | Strong | $2,367Fees | 0.179%Above | 100 |
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.