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 | Strong | $788Fees | 0.006%Below | 502 | |
2 | Wells Fargo Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,789Fees | 0.037%Above | 273 | |
3 | Bank of America, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,742Fees | 0.160%Below | 186 | |
4 | THE GOLDEN 1Credit Union | Exceptional | Strong | Exceptional | Strong | Exceptional | $715Fees | 0.140%Above | 287 | |
5 | SCHOOLSFIRSTCredit Union | Exceptional | Exceptional | Strong | Strong | Strong | $452Fees | 0.020%Below | 116 | |
6 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $567Fees | 0.370%Below | 115 | |
7 | Citibank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Sound | $130Credit | 0.098%Below | 54 | |
8 | Morgan Stanley Private Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Sound | $267Fees | 0.486%Below | 53 | |
9 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,679Fees | 0.124%Above | 177 | |
10 | BMO Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $557Fees | 0.037%Above | 111 | |
11 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,882Fees | 0.149%Above | 5,307 | |
12 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,553Fees | 0.165%Above | 2,498 | |
13 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Exceptional | $2,216Fees | 0.164%Below | 860 | |
14 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,913Fees | 0.074%Above | 354 | |
15 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $1,981Fees | 0.130%Above | 303 | |
16 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,618Fees | 0.157%Above | 186 | |
17 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,396Fees | 0.269%Above | 181 | |
18 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $4,231Fees | 0.307%Above | 133 | |
19 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,281Fees | 0.276%Above | 828 | |
20 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,761Fees | 0.268%Above | 701 | |
21 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $3,050Fees | 0.298%Above | 154 | |
22 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,785Fees | 0.367%Above | 341 | |
23 | SAFE Credit UnionCredit Union | Strong | Acceptable | Strong | Strong | Exceptional | $1,946Fees | 0.060%Above | 257 | |
24 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,746Fees | 0.374%Above | 136 | |
25 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $3,118Fees | 0.382%Above | 352 | |
26 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $4,288Fees | 0.322%Above | 315 | |
27 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $3,555Fees | 0.340%Above | 276 | |
28 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Sound | Exceptional | $3,866Fees | 0.416%Above | 700 | |
29 | ALAMEDA MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $4,242Fees | 0.383%Above | 170 | |
30 | Flagstar Bank, N.A.Bank | Sound | Mediocre | Exceptional | Sound | Strong | $3,086Fees | 0.149%Above | 262 | |
31 | OCMBC, INC.Independent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $4,708Fees | 0.726%Above | 122 | |
32 | Luminate Home Loans, Inc.Independent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Sound | $4,239Fees | 0.361%Above | 59 |
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.