Safe Rate Rankings
Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.
| 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 | $981Credit | 0.086%Below | 57 | |
2 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $683Credit | 0.220%Below | 870 | |
3 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $461Fees | 0.592%Below | 376 | |
4 | Citibank, National AssociationBank | Exceptional | Exceptional | Exceptional | Sound | Strong | $546Credit | 0.276%Below | 146 | |
5 | PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,215Fees | 0.181%Below | 87 | |
6 | MISSIONCredit Union | Exceptional | Exceptional | Sound | Sound | Exceptional | $757Credit | 0.846%Below | 396 | |
7 | Bank of America, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $276Fees | 0.275%Below | 303 | |
8 | Morgan Stanley Private Bank, National AssociationBank | Exceptional | Exceptional | Strong | Sound | Strong | $297Fees | 0.459%Below | 108 | |
9 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,002Fees | 0.048%Above | 700 | |
10 | Wells Fargo Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $708Fees | 0.177%Below | 385 | |
11 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,274Fees | 0.046%Below | 4,837 | |
12 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,490Fees | 0.123%Above | 2,283 | |
13 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,329Fees | 0.080%Above | 408 | |
14 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,554Fees | 0.203%Above | 202 | |
15 | Zions Bancorporation, N.A.Bank | Strong | Strong | Strong | Sound | Strong | $1,177Fees | 0.203%Below | 107 | |
16 | BMO Bank National AssociationBank | Strong | Strong | Strong | Sound | Strong | $40Fees | 0.023%Below | 104 | |
17 | SCHOOLSFIRSTCredit Union | Strong | Strong | Strong | Strong | Sound | $142Fees | 0.082%Below | 57 | |
18 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,745Fees | 0.363%Above | 1,029 | |
19 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $1,235Fees | 0.088%Below | 526 | |
20 | POINT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $2,002Fees | 0.050%Below | 207 | |
21 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,029Fees | 0.235%Above | 81 | |
22 | Charles Schwab Bank, SSBBank | Strong | Sound | Strong | Strong | Strong | $605Fees | 0.233%Below | 77 | |
23 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,930Fees | 0.169%Above | 54 | |
24 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Strong | Strong | Sound | Sound | $1,873Fees | 0.063%Below | 50 | |
25 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,743Fees | 0.065%Above | 382 | |
26 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,339Fees | 0.059%Above | 369 | |
27 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,718Fees | 0.225%Above | 335 | |
28 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,217Fees | 0.286%Above | 328 | |
29 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $2,368Fees | 0.133%Below | 315 | |
30 | Flagstar Bank, N.A.Bank | Strong | Acceptable | Exceptional | Strong | Strong | $3,080Fees | 0.221%Above | 272 | |
31 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,585Fees | 0.251%Above | 216 | |
32 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,740Fees | 0.185%Above | 165 | |
33 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,270Fees | 0.263%Above | 160 | |
34 | Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,911Fees | 0.045%Above | 147 | |
35 | INTERCAP LENDING INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,930Fees | 0.191%Above | 142 | |
36 | RESICENTRAL, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $1,474Fees | 0.131%Above | 122 | |
37 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,476Fees | 0.238%Above | 121 | |
38 | NMSI, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Exceptional | Strong | $1,334Fees | 0.157%Above | 119 | |
39 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,836Fees | 0.152%Above | 116 | |
40 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,484Fees | 0.254%Above | 105 | |
41 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,855Fees | 0.137%Above | 99 | |
42 | STG MORTGAGE INCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $1,221Fees | 0.063%Above | 81 | |
43 | NexBankBank | Strong | Sound | Strong | Strong | Sound | $955Fees | 0.463%Above | 69 | |
44 | NEWREZ LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $1,782Fees | 0.155%Above | 341 | |
45 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $3,685Fees | 0.448%Above | 186 | |
46 | Synergy One Lending, Inc.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $3,339Fees | 0.445%Above | 175 | |
47 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $2,385Fees | 0.248%Above | 118 | |
48 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $5,904Fees | 0.426%Above | 78 | |
49 | FRANKLIN LOAN CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $3,256Fees | 0.477%Above | 64 | |
50 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $4,297Fees | 0.334%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.