Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $753Fees | 0.450%Below | 337 | |
2 | PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,476Fees | 0.117%Below | 109 | |
3 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $906Fees | 0.048%Above | 677 | |
4 | SCHOOLSFIRSTCredit Union | Exceptional | Strong | Strong | Strong | Exceptional | $478Fees | 0.065%Above | 554 | |
5 | Bank of America, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,714Fees | 0.068%Below | 236 | |
6 | Citibank, National AssociationBank | Exceptional | Exceptional | Exceptional | Sound | Sound | $907Fees | 0.103%Below | 95 | |
7 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,142Fees | 0.097%Above | 1,774 | |
8 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,734Fees | 0.182%Above | 910 | |
9 | Wells Fargo Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $1,760Fees | 0.019%Above | 353 | |
10 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,170Fees | 0.169%Above | 7,468 | |
11 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,050Fees | 0.197%Above | 3,925 | |
12 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,138Fees | 0.126%Above | 118 | |
13 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,946Fees | 0.369%Above | 114 | |
14 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,922Fees | 0.468%Above | 817 | |
15 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $2,000Fees | 0.111%Above | 585 | |
16 | BMO Bank National AssociationBank | Strong | Strong | Strong | Sound | Sound | $1,039Fees | 0.147%Above | 94 | |
17 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $3,491Fees | 0.432%Above | 92 | |
18 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,651Fees | 0.540%Above | 701 | |
19 | FRANKLIN LOAN CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $3,498Fees | 0.459%Above | 595 | |
20 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,471Fees | 0.150%Above | 562 | |
21 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,811Fees | 0.261%Above | 547 | |
22 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $2,572Fees | 0.043%Below | 539 | |
23 | Flagstar Bank, N.A.Bank | Strong | Acceptable | Exceptional | Strong | Strong | $2,896Fees | 0.337%Above | 491 | |
24 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,646Fees | 0.486%Above | 472 | |
25 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,291Fees | 0.443%Above | 374 | |
26 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,235Fees | 0.377%Above | 360 | |
27 | NMSI, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Exceptional | Strong | $3,237Fees | 0.307%Above | 358 | |
28 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,391Fees | 0.260%Above | 334 | |
29 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,544Fees | 0.362%Above | 276 | |
30 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,052Fees | 0.372%Above | 264 | |
31 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,762Fees | 0.310%Above | 264 | |
32 | Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,987Fees | 0.256%Above | 219 | |
33 | GoodLeap, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $5,874Fees | 0.190%Below | 152 | |
34 | First-Citizens Bank & Trust CompanyBank | Strong | Sound | Strong | Sound | Strong | $2,831Credit | 0.056%Below | 136 | |
35 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $5,543Fees | 0.288%Above | 129 | |
36 | City National BankBank | Strong | Sound | Strong | Sound | Strong | $3,597Fees | 0.235%Above | 126 | |
37 | Commerce Home Mortgage, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,377Fees | 0.521%Above | 123 | |
38 | FIRST COLONY MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,169Fees | 0.166%Above | 117 | |
39 | STG MORTGAGE INCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $3,000Fees | 0.382%Above | 111 | |
40 | RESICENTRAL, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $1,622Fees | 0.172%Above | 96 | |
41 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $3,289Fees | 0.497%Above | 450 | |
42 | NEWREZ LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $2,872Fees | 0.239%Above | 376 | |
43 | NATIONS DIRECT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $3,429Fees | 0.357%Above | 148 | |
44 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $1,417Fees | 0.479%Above | 142 | |
45 | PLANET HOME LENDING, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $3,860Fees | 0.227%Above | 128 | |
46 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,134Fees | 0.340%Above | 102 | |
47 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $3,162Fees | 0.204%Above | 356 | |
48 | SUN WEST MORTGAGE COMPANY, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $4,340Fees | 0.146%Above | 330 | |
49 | ZILLOW HOME LOANS, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $3,151Fees | 0.256%Above | 220 | |
50 | AAA CAPITAL INVESTMENT, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $3,519Fees | 0.399%Above | 173 |
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.