Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | RANDOLPH-BROOKS FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $375Fees | 0.398%Above | 1,368 | |
2 | SECURITY SERVICE FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Strong | Sound | Exceptional | $308Credit | 0.087%Above | 499 | |
3 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,044Fees | 0.572%Below | 301 | |
4 | PRIORITY HOME MORTGAGE, L.P.Independent Mortgage Company | Exceptional | Exceptional | Strong | Sound | Strong | $957Fees | 1.104%Below | 162 | |
5 | Bank of America, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $2,368Fees | 0.098%Below | 131 | |
6 | PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company | Exceptional | Exceptional | Exceptional | Sound | Sound | $1,107Fees | 0.199%Below | 75 | |
7 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,220Fees | 0.547%Below | 984 | |
8 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,150Fees | 0.071%Above | 816 | |
9 | VELOCIO MORTGAGE L.L.C.Independent Mortgage Company | Exceptional | Strong | Strong | Sound | Exceptional | $1,333Fees | 1.089%Below | 682 | |
10 | PARKSTONE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Exceptional | Strong | Acceptable | Strong | $987Fees | 0.862%Below | 316 | |
11 | Wells Fargo Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $1,700Fees | 0.055%Above | 167 | |
12 | Frost BankBank | Exceptional | Exceptional | Sound | Sound | Strong | $620Credit | 0.515%Below | 163 | |
13 | CREDIT HUMAN FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Sound | Sound | Strong | $776Fees | 0.162%Above | 86 | |
14 | NBKC BANKBank | Exceptional | Exceptional | Strong | Sound | Sound | $583Fees | 0.350%Below | 84 | |
15 | SOUTHERN LENDING SERVICES, LTD.Independent Mortgage Company | Exceptional | Exceptional | Sound | Sound | Strong | $1,895Fees | 0.730%Below | 76 | |
16 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,099Fees | 0.024%Below | 1,858 | |
17 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,208Fees | 0.420%Above | 1,717 | |
18 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,168Fees | 0.179%Below | 438 | |
19 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,604Fees | 0.086%Above | 115 | |
20 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,799Fees | 0.087%Above | 111 | |
21 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $2,013Fees | 0.264%Below | 228 | |
22 | V.I.P. MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,794Fees | 0.216%Above | 201 | |
23 | JET HOMELOANS, LPIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $1,606Fees | 0.789%Below | 77 | |
24 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,024Fees | 0.502%Above | 496 | |
25 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,104Fees | 0.025%Above | 491 | |
26 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,498Fees | 0.453%Above | 491 | |
27 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,671Fees | 0.073%Above | 489 | |
28 | PILGRIM MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $4,351Fees | 0.335%Above | 446 | |
29 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,447Fees | 0.167%Above | 350 | |
30 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $2,866Fees | 0.070%Above | 340 | |
31 | Gateway First BankBank | Strong | Acceptable | Exceptional | Strong | Strong | $3,951Fees | 0.397%Above | 285 | |
32 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,639Fees | 0.290%Above | 281 | |
33 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,886Fees | 0.373%Above | 250 | |
34 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,813Fees | 0.515%Above | 211 | |
35 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,689Fees | 0.119%Above | 197 | |
36 | DAS Acquisition Company, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,957Fees | 0.384%Above | 185 | |
37 | First United Bank and Trust CompanyBank | Strong | Acceptable | Exceptional | Strong | Strong | $2,782Fees | 0.241%Above | 169 | |
38 | SWBC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,095Fees | 0.336%Above | 167 | |
39 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $5,175Fees | 0.351%Above | 142 | |
40 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,809Fees | 0.140%Above | 141 | |
41 | Flagstar Bank, N.A.Bank | Strong | Acceptable | Exceptional | Strong | Strong | $2,529Fees | 0.221%Above | 125 | |
42 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,938Fees | 0.322%Above | 114 | |
43 | GoodLeap, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $2,770Fees | 0.393%Above | 91 | |
44 | LENDLO MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Exceptional | $2,474Fees | 0.857%Below | 567 | |
45 | M/I FINANCIAL, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $6,049Fees | 0.770%Below | 364 | |
46 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $2,179Fees | 0.775%Above | 348 | |
47 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $4,734Fees | 0.459%Above | 308 | |
48 | NEWREZ LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $2,834Fees | 0.320%Above | 270 | |
49 | MORTGAGE FINANCIAL SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $3,187Fees | 0.240%Above | 144 | |
50 | Sunflower Bank, National AssociationBank | Strong | Acceptable | Strong | Strong | Strong | $3,917Fees | 0.144%Above | 78 |
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.