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 | Exceptional | $683Credit | 0.220%Below | 870 | |
2 | MISSIONCredit Union | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $757Credit | 0.846%Below | 396 | |
3 | Wells Fargo Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $708Fees | 0.177%Below | 385 | |
4 | Bank of America, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $276Fees | 0.275%Below | 303 | |
5 | Citibank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $546Credit | 0.276%Below | 146 | |
6 | Morgan Stanley Private Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $297Fees | 0.459%Below | 108 | |
7 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $461Fees | 0.592%Below | 376 | |
8 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,743Fees | 0.065%Above | 382 | |
9 | BMO Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $40Fees | 0.023%Below | 104 | |
10 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,274Fees | 0.046%Below | 4,837 | |
11 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,490Fees | 0.123%Above | 2,283 | |
12 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,002Fees | 0.048%Above | 700 | |
13 | Zions Bancorporation, N.A.Bank | Exceptional | Strong | Exceptional | Sound | Strong | $1,177Fees | 0.203%Below | 107 | |
14 | Charles Schwab Bank, SSBBank | Exceptional | Sound | Exceptional | Exceptional | Strong | $605Fees | 0.233%Below | 77 | |
15 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,235Fees | 0.088%Below | 526 | |
16 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,339Fees | 0.059%Above | 369 | |
17 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,270Fees | 0.263%Above | 160 | |
18 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,745Fees | 0.363%Above | 1,029 | |
19 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $3,329Fees | 0.080%Above | 408 | |
20 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $1,476Fees | 0.238%Above | 121 | |
21 | NMSI, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,334Fees | 0.157%Above | 119 | |
22 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $2,385Fees | 0.248%Above | 118 | |
23 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,718Fees | 0.225%Above | 335 | |
24 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,217Fees | 0.286%Above | 328 | |
25 | Synergy One Lending, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,339Fees | 0.445%Above | 175 | |
26 | INTERCAP LENDING INC.Independent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $2,930Fees | 0.191%Above | 142 | |
27 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,855Fees | 0.137%Above | 99 | |
28 | STG MORTGAGE INCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $1,221Fees | 0.063%Above | 81 | |
29 | NP, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,862Fees | 0.861%Above | 67 | |
30 | OriginPoint, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Sound | $2,222Fees | 0.185%Above | 60 | |
31 | NEWREZ LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $1,782Fees | 0.155%Above | 341 | |
32 | POINT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Sound | Sound | Strong | $2,002Fees | 0.050%Below | 207 | |
33 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $3,685Fees | 0.448%Above | 186 | |
34 | NexBankBank | Strong | Acceptable | Exceptional | Strong | Sound | $955Fees | 0.463%Above | 69 | |
35 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $3,554Fees | 0.203%Above | 202 | |
36 | RESIDENTIAL WHOLESALE MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $2,336Fees | 0.157%Above | 161 | |
37 | GOLDEN EMPIRE MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $4,736Fees | 0.170%Above | 109 | |
38 | Hometown Equity Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $3,111Fees | 0.515%Above | 81 | |
39 | FRANKLIN LOAN CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Strong | Exceptional | Strong | $3,256Fees | 0.477%Above | 64 | |
40 | Flagstar Bank, N.A.Bank | Sound | Mediocre | Exceptional | Sound | Strong | $3,080Fees | 0.221%Above | 272 | |
41 | OCMBC, INC.Independent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $3,789Fees | 0.457%Above | 168 | |
42 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $4,673Fees | 0.425%Above | 155 | |
43 | Luminate Home Loans, Inc.Independent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $3,766Fees | 0.514%Above | 137 | |
44 | Citadel Servicing CorporationIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $6,758Fees | 0.925%Above | 60 | |
45 | Logan Finance CorporationIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $1,244Fees | 0.778%Above | 49 | |
46 | Cornerstone First Mortgage, IncIndependent Mortgage Company | Sound | Mediocre | Strong | Sound | Strong | $4,117Fees | 0.248%Above | 72 | |
47 | NEXERA HOLDING LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Sound | $3,906Fees | 1.008%Above | 66 | |
48 | Commerce Home Mortgage, Inc.Independent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Sound | $4,823Fees | 0.912%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.