Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | GOOGAIN, INC.Independent Mortgage Company | Exceptional | Exceptional | Exceptional | Strong | $938Credit | 0.017%Above | 66 | |
2 | PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company | Exceptional | Exceptional | Sound | Strong | $1,244Fees | 0.039%Below | 196 | |
3 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Sound | Strong | $567Fees | 0.370%Below | 115 | |
4 | Morgan Stanley Private Bank, National AssociationBank | Exceptional | Exceptional | Strong | Sound | $267Fees | 0.486%Below | 53 | |
5 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $2,882Fees | 0.149%Above | 5,307 | |
6 | U.S. Bank National AssociationBank | Strong | Strong | Strong | Strong | $788Fees | 0.006%Below | 502 | |
7 | Bank of America, National AssociationBank | Strong | Strong | Strong | Strong | $1,742Fees | 0.160%Below | 186 | |
8 | SCHOOLSFIRSTCredit Union | Strong | Strong | Strong | Strong | $452Fees | 0.020%Below | 116 | |
9 | Citibank, National AssociationBank | Strong | Exceptional | Sound | Sound | $130Credit | 0.098%Below | 54 | |
10 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | $2,216Fees | 0.164%Below | 860 | |
11 | Wells Fargo Bank, National AssociationBank | Strong | Strong | Sound | Strong | $1,789Fees | 0.037%Above | 273 | |
12 | SAFE Credit UnionCredit Union | Strong | Sound | Strong | Exceptional | $1,946Fees | 0.060%Above | 257 | |
13 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,553Fees | 0.165%Above | 2,498 | |
14 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $4,281Fees | 0.276%Above | 828 | |
15 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $1,913Fees | 0.074%Above | 354 | |
16 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Strong | $1,981Fees | 0.130%Above | 303 | |
17 | THE GOLDEN 1Credit Union | Strong | Sound | Sound | Exceptional | $715Fees | 0.140%Above | 287 | |
18 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Strong | $2,542Fees | 0.008%Below | 199 | |
19 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | $2,679Fees | 0.124%Above | 177 | |
20 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | $1,135Fees | 0.591%Above | 85 | |
21 | General Mortgage Capital CorporationIndependent Mortgage Company | Strong | Sound | Strong | Strong | $3,088Fees | 0.302%Above | 81 | |
22 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Sound | $2,233Fees | 0.328%Above | 57 | |
23 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $2,761Fees | 0.268%Above | 701 | |
24 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,618Fees | 0.157%Above | 186 | |
25 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,396Fees | 0.269%Above | 181 | |
26 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $4,746Fees | 0.374%Above | 136 | |
27 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $4,231Fees | 0.307%Above | 133 | |
28 | BMO Bank National AssociationBank | Strong | Sound | Sound | Strong | $557Fees | 0.037%Above | 111 | |
29 | NMSI, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,411Fees | 0.248%Above | 94 | |
30 | RESICENTRAL, LLCIndependent Mortgage Company | Strong | Sound | Sound | Strong | $1,369Fees | 0.083%Above | 74 | |
31 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | $2,419Fees | 0.307%Above | 73 | |
32 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | $3,866Fees | 0.416%Above | 700 | |
33 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,118Fees | 0.382%Above | 352 | |
34 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,785Fees | 0.367%Above | 341 | |
35 | Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $4,218Fees | 0.221%Above | 309 | |
36 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,555Fees | 0.340%Above | 276 | |
37 | Flagstar Bank, N.A.Bank | Strong | Acceptable | Strong | Strong | $3,086Fees | 0.149%Above | 262 | |
38 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,050Fees | 0.298%Above | 154 | |
39 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,815Fees | 0.024%Above | 142 | |
40 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,695Fees | 0.098%Above | 135 | |
41 | OCMBC, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $4,708Fees | 0.726%Above | 122 | |
42 | SCENIC OAKS FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $4,270Fees | 0.253%Above | 105 | |
43 | ZILLOW HOME LOANS, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,673Fees | 0.219%Above | 91 | |
44 | CLM MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $4,126Fees | 0.096%Above | 80 | |
45 | PACIFIC RESIDENTIAL MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,747Fees | 0.292%Above | 79 | |
46 | PEAK RESIDENTIAL LENDING INCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,805Fees | 0.246%Above | 75 | |
47 | AMERIHOME MORTGAGE COMPANY, LLCIndependent Mortgage Company | Strong | Sound | Sound | Sound | $2,697Fees | 0.276%Above | 63 | |
48 | STG MORTGAGE INCIndependent Mortgage Company | Strong | Sound | Sound | Sound | $2,326Fees | 0.125%Above | 53 | |
49 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Acceptable | Sound | Strong | $4,288Fees | 0.322%Above | 315 | |
50 | NEWREZ LLCIndependent Mortgage Company | Sound | Acceptable | Sound | Strong | $2,384Fees | 0.260%Above | 196 |
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.