Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | GOOGAIN, INC.Independent Mortgage Company | Exceptional | Exceptional | Strong | Exceptional | Strong | $938Credit | 0.017%Above | 66 | |
2 | PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,244Fees | 0.039%Below | 196 | |
3 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $567Fees | 0.370%Below | 115 | |
4 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $788Fees | 0.006%Below | 502 | |
5 | Bank of America, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,742Fees | 0.160%Below | 186 | |
6 | Citibank, National AssociationBank | Exceptional | Exceptional | Exceptional | Sound | Sound | $130Credit | 0.098%Below | 54 | |
7 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,216Fees | 0.164%Below | 860 | |
8 | Wells Fargo Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $1,789Fees | 0.037%Above | 273 | |
9 | SCHOOLSFIRSTCredit Union | Exceptional | Strong | Strong | Strong | Strong | $452Fees | 0.020%Below | 116 | |
10 | Morgan Stanley Private Bank, National AssociationBank | Exceptional | Exceptional | Strong | Sound | Sound | $267Fees | 0.486%Below | 53 | |
11 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,882Fees | 0.149%Above | 5,307 | |
12 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,553Fees | 0.165%Above | 2,498 | |
13 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $1,981Fees | 0.130%Above | 303 | |
14 | SAFE Credit UnionCredit Union | Strong | Strong | Sound | Sound | Exceptional | $1,946Fees | 0.060%Above | 257 | |
15 | BMO Bank National AssociationBank | Strong | Strong | Strong | Sound | Strong | $557Fees | 0.037%Above | 111 | |
16 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,281Fees | 0.276%Above | 828 | |
17 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,761Fees | 0.268%Above | 701 | |
18 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $1,913Fees | 0.074%Above | 354 | |
19 | THE GOLDEN 1Credit Union | Strong | Sound | Strong | Sound | Exceptional | $715Fees | 0.140%Above | 287 | |
20 | General Mortgage Capital CorporationIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $3,088Fees | 0.302%Above | 81 | |
21 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $3,607Fees | 0.242%Above | 74 | |
22 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,419Fees | 0.307%Above | 73 | |
23 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,233Fees | 0.328%Above | 57 | |
24 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,118Fees | 0.382%Above | 352 | |
25 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,785Fees | 0.367%Above | 341 | |
26 | Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,218Fees | 0.221%Above | 309 | |
27 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,555Fees | 0.340%Above | 276 | |
28 | Flagstar Bank, N.A.Bank | Strong | Acceptable | Exceptional | Strong | Strong | $3,086Fees | 0.149%Above | 262 | |
29 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $2,542Fees | 0.008%Below | 199 | |
30 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,618Fees | 0.157%Above | 186 | |
31 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,396Fees | 0.269%Above | 181 | |
32 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,679Fees | 0.124%Above | 177 | |
33 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,815Fees | 0.024%Above | 142 | |
34 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,746Fees | 0.374%Above | 136 | |
35 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,231Fees | 0.307%Above | 133 | |
36 | NMSI, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Exceptional | Strong | $3,411Fees | 0.248%Above | 94 | |
37 | RESICENTRAL, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $1,369Fees | 0.083%Above | 74 | |
38 | AMERIHOME MORTGAGE COMPANY, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Sound | $2,697Fees | 0.276%Above | 63 | |
39 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,866Fees | 0.416%Above | 700 | |
40 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $4,288Fees | 0.322%Above | 315 | |
41 | NEWREZ LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $2,384Fees | 0.260%Above | 196 | |
42 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $3,050Fees | 0.298%Above | 154 | |
43 | SCENIC OAKS FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $4,270Fees | 0.253%Above | 105 | |
44 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $1,135Fees | 0.591%Above | 85 | |
45 | MASON MCDUFFIE MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $2,641Fees | 0.303%Above | 78 | |
46 | Plains Commerce BankBank | Strong | Acceptable | Exceptional | Strong | Sound | $2,827Fees | 0.311%Above | 58 | |
47 | STG MORTGAGE INCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Sound | $2,326Fees | 0.125%Above | 53 | |
48 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $3,695Fees | 0.098%Above | 135 | |
49 | ZILLOW HOME LOANS, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $3,673Fees | 0.219%Above | 91 | |
50 | CLM MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $4,126Fees | 0.096%Above | 80 |
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.