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 | $981Credit | 0.086%Below | 57 | |
2 | MISSIONCredit Union | Exceptional | Exceptional | Sound | Exceptional | $757Credit | 0.846%Below | 396 | |
3 | Morgan Stanley Private Bank, National AssociationBank | Exceptional | Exceptional | Strong | Strong | $297Fees | 0.459%Below | 108 | |
4 | U.S. Bank National AssociationBank | Exceptional | Strong | Strong | Exceptional | $683Credit | 0.220%Below | 870 | |
5 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Sound | Strong | $461Fees | 0.592%Below | 376 | |
6 | Citibank, National AssociationBank | Exceptional | Exceptional | Sound | Strong | $546Credit | 0.276%Below | 146 | |
7 | PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company | Exceptional | Exceptional | Sound | Strong | $1,215Fees | 0.181%Below | 87 | |
8 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $2,274Fees | 0.046%Below | 4,837 | |
9 | Bank of America, National AssociationBank | Strong | Strong | Strong | Strong | $276Fees | 0.275%Below | 303 | |
10 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Exceptional | $2,002Fees | 0.048%Above | 700 | |
11 | Wells Fargo Bank, National AssociationBank | Strong | Strong | Sound | Strong | $708Fees | 0.177%Below | 385 | |
12 | Zions Bancorporation, N.A.Bank | Strong | Strong | Sound | Strong | $1,177Fees | 0.203%Below | 107 | |
13 | SCHOOLSFIRSTCredit Union | Strong | Strong | Strong | Sound | $142Fees | 0.082%Below | 57 | |
14 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,490Fees | 0.123%Above | 2,283 | |
15 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $1,235Fees | 0.088%Below | 526 | |
16 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $3,329Fees | 0.080%Above | 408 | |
17 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | $1,743Fees | 0.065%Above | 382 | |
18 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Strong | $2,368Fees | 0.133%Below | 315 | |
19 | POINT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Strong | $2,002Fees | 0.050%Below | 207 | |
20 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $3,554Fees | 0.203%Above | 202 | |
21 | FIRST COLONY MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | $1,442Fees | 0.072%Below | 58 | |
22 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Sound | $2,930Fees | 0.169%Above | 54 | |
23 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $3,745Fees | 0.363%Above | 1,029 | |
24 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,339Fees | 0.059%Above | 369 | |
25 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,217Fees | 0.286%Above | 328 | |
26 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $4,585Fees | 0.251%Above | 216 | |
27 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,270Fees | 0.263%Above | 160 | |
28 | INTERCAP LENDING INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,930Fees | 0.191%Above | 142 | |
29 | RESICENTRAL, LLCIndependent Mortgage Company | Strong | Sound | Sound | Strong | $1,474Fees | 0.131%Above | 122 | |
30 | NMSI, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $1,334Fees | 0.157%Above | 119 | |
31 | BMO Bank National AssociationBank | Strong | Sound | Sound | Strong | $40Fees | 0.023%Below | 104 | |
32 | STG MORTGAGE INCIndependent Mortgage Company | Strong | Sound | Sound | Strong | $1,221Fees | 0.063%Above | 81 | |
33 | NexBankBank | Strong | Sound | Strong | Sound | $955Fees | 0.463%Above | 69 | |
34 | FRANKLIN LOAN CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,256Fees | 0.477%Above | 64 | |
35 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $1,718Fees | 0.225%Above | 335 | |
36 | Flagstar Bank, N.A.Bank | Strong | Acceptable | Strong | Strong | $3,080Fees | 0.221%Above | 272 | |
37 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,477Fees | 0.593%Above | 185 | |
38 | Synergy One Lending, Inc.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,339Fees | 0.445%Above | 175 | |
39 | OCMBC, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,789Fees | 0.457%Above | 168 | |
40 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,740Fees | 0.185%Above | 165 | |
41 | RESIDENTIAL WHOLESALE MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,336Fees | 0.157%Above | 161 | |
42 | Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,911Fees | 0.045%Above | 147 | |
43 | ZILLOW HOME LOANS, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,843Fees | 0.164%Above | 128 | |
44 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $1,476Fees | 0.238%Above | 121 | |
45 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,385Fees | 0.248%Above | 118 | |
46 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,836Fees | 0.152%Above | 116 | |
47 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,484Fees | 0.254%Above | 105 | |
48 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,855Fees | 0.137%Above | 99 | |
49 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | $5,904Fees | 0.426%Above | 78 | |
50 | Charles Schwab Bank, SSBBank | Strong | Acceptable | Strong | Strong | $605Fees | 0.233%Below | 77 |
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.