Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $3,162Fees | 0.113%Above | 2,496 | |
2 | NBKC BANKBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $792Fees | 0.132%Below | 97 | |
3 | CLM MORTGAGE, INC.Independent Mortgage Company | Exceptional | Exceptional | Strong | Exceptional | Strong | $516Fees | 0.144%Above | 82 | |
4 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $800Fees | 0.039%Below | 587 | |
5 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $746Fees | 0.567%Below | 128 | |
6 | KeyBank National AssociationBank | Exceptional | Exceptional | Strong | Strong | Strong | $2,440Fees | 0.020%Below | 120 | |
7 | CORNERSTONE CAPITAL BANK, SSBBank | Exceptional | Strong | Exceptional | Exceptional | Strong | $4,768Fees | 0.485%Above | 106 | |
8 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,745Fees | 0.202%Above | 886 | |
9 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $3,400Fees | 0.145%Above | 489 | |
10 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,083Fees | 0.075%Above | 347 | |
11 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,201Fees | 0.009%Above | 192 | |
12 | KIND LENDING, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,937Fees | 0.323%Above | 135 | |
13 | ONPOINT COMMUNITY CREDIT UNIONCredit Union | Exceptional | Strong | Strong | Sound | Exceptional | $1,361Fees | 0.057%Above | 1,479 | |
14 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,889Fees | 0.437%Above | 324 | |
15 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $4,632Fees | 0.377%Above | 149 | |
16 | USAA Federal Savings BankBank | Exceptional | Strong | Exceptional | Sound | Strong | $1,885Fees | 0.109%Below | 85 | |
17 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,131Fees | 0.122%Above | 1,243 | |
18 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,753Fees | 0.392%Above | 640 | |
19 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,755Fees | 0.284%Above | 348 | |
20 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,335Fees | 0.187%Above | 276 | |
21 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,559Fees | 0.092%Above | 231 | |
22 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $2,511Fees | 0.266%Above | 197 | |
23 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,715Fees | 0.506%Above | 175 | |
24 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,953Fees | 0.233%Above | 170 | |
25 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,632Fees | 0.201%Above | 103 | |
26 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Exceptional | Sound | $1,898Fees | 0.340%Above | 75 | |
27 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,500Fees | 0.248%Above | 1,873 | |
28 | NATIONS DIRECT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,078Fees | 0.198%Above | 939 | |
29 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $5,068Fees | 0.452%Above | 536 | |
30 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,046Fees | 0.514%Above | 229 | |
31 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,294Fees | 0.473%Above | 203 | |
32 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,290Fees | 0.099%Above | 185 | |
33 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,168Fees | 0.159%Above | 112 | |
34 | Bank of EnglandBank | Strong | Sound | Strong | Strong | Sound | $3,336Fees | 0.410%Above | 65 | |
35 | SUMMIT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Exceptional | $3,620Fees | 0.268%Above | 291 | |
36 | EVERGREEN MONEYSOURCE MORTGAGE COMPANYIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,754Fees | 0.548%Above | 262 | |
37 | ZILLOW HOME LOANS, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $4,237Fees | 0.101%Above | 230 | |
38 | HomeStreet BankBank | Strong | Acceptable | Strong | Strong | Strong | $2,022Fees | 0.141%Above | 152 | |
39 | Sunflower Bank, National AssociationBank | Strong | Acceptable | Strong | Strong | Strong | $5,037Fees | 0.244%Above | 84 | |
40 | MORTGAGE EXPRESS, LLCIndependent Mortgage Company | Strong | Mediocre | Strong | Strong | Exceptional | $3,667Fees | 0.384%Above | 691 | |
41 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,461Fees | 0.451%Above | 403 | |
42 | PACIFIC RESIDENTIAL MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Strong | Strong | Exceptional | $4,927Fees | 0.371%Above | 293 | |
43 | PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,076Fees | 0.285%Above | 96 | |
44 | Synergy One Lending, Inc.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Sound | $5,377Fees | 0.250%Above | 69 | |
45 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $3,036Fees | 0.454%Above | 219 | |
46 | Luminate Home Loans, Inc.Independent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $5,809Fees | 0.575%Above | 146 | |
47 | MASON MCDUFFIE MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $3,636Fees | 0.306%Above | 101 |
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.