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 | $884Credit | 0.200%Below | 779 | |
2 | Wells Fargo Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $987Fees | 0.271%Below | 675 | |
3 | Bank of America, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $40Credit | 0.326%Below | 595 | |
4 | HSBC BANK USA, NATIONAL ASSOCIATIONBank | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $692Credit | 0.204%Below | 284 | |
5 | FIRST TECHNOLOGY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $779Credit | 0.125%Below | 261 | |
6 | Global Federal Credit UnionCredit Union | Exceptional | Exceptional | Exceptional | Strong | Strong | $315Fees | 0.749%Below | 231 | |
7 | Citibank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,737Credit | 0.401%Below | 169 | |
8 | Morgan Stanley Private Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $341Fees | 0.498%Below | 160 | |
9 | Boeing Employees Credit UnionCredit Union | Exceptional | Strong | Exceptional | Strong | Exceptional | $549Fees | 0.064%Below | 1,181 | |
10 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $827Fees | 0.674%Below | 124 | |
11 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,440Fees | 0.187%Above | 213 | |
12 | BMO Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $219Credit | 0.012%Above | 120 | |
13 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,310Fees | 0.030%Above | 1,435 | |
14 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,152Fees | 0.321%Above | 1,385 | |
15 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,225Fees | 0.061%Above | 1,361 | |
16 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,020Fees | 0.158%Below | 882 | |
17 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,667Fees | 0.321%Above | 849 | |
18 | SAMMAMISH MORTGAGE COMPANYIndependent Mortgage Company | Exceptional | Strong | Strong | Sound | Exceptional | $566Fees | 0.021%Above | 395 | |
19 | KeyBank National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $1,093Credit | 0.108%Below | 242 | |
20 | Charles Schwab Bank, SSBBank | Exceptional | Sound | Exceptional | Exceptional | Strong | $763Fees | 0.246%Below | 88 | |
21 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,364Fees | 0.002%Below | 383 | |
22 | OriginPoint, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Exceptional | $2,549Fees | 0.251%Above | 351 | |
23 | PNC Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $668Credit | 0.005%Below | 306 | |
24 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,702Fees | 0.375%Above | 1,094 | |
25 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,320Fees | 0.336%Above | 723 | |
26 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,910Fees | 0.312%Above | 558 | |
27 | CORNERSTONE CAPITAL BANK, SSBBank | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,266Fees | 0.264%Above | 376 | |
28 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $2,494Fees | 0.135%Above | 360 | |
29 | HomeStreet BankBank | Strong | Sound | Strong | Strong | Strong | $2,831Fees | 0.212%Above | 191 | |
30 | BETTER MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Strong | Strong | Acceptable | Strong | $328Fees | 0.079%Below | 64 | |
31 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,506Fees | 0.172%Above | 136 | |
32 | Umpqua BankBank | Strong | Acceptable | Exceptional | Strong | Strong | $2,274Fees | 0.086%Above | 107 | |
33 | NEWREZ LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $2,105Fees | 0.326%Above | 370 | |
34 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $3,418Fees | 0.319%Above | 233 | |
35 | NexBankBank | Strong | Acceptable | Exceptional | Strong | Sound | $1,270Fees | 0.247%Above | 56 | |
36 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $3,394Fees | 0.105%Above | 345 | |
37 | NFM, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,262Fees | 0.296%Above | 284 | |
38 | EVERGREEN MONEYSOURCE MORTGAGE COMPANYIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $5,290Fees | 0.439%Above | 252 | |
39 | SCENIC OAKS FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $2,655Fees | 0.332%Above | 110 | |
40 | MEMBER FIRST MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Sound | Acceptable | Strong | $2,436Fees | 0.038%Below | 59 | |
41 | WASHINGTON STATE EMPLOYEES CREDIT UNIONCredit Union | Strong | Acceptable | Strong | Sound | Strong | $1,111Fees | 0.252%Above | 51 | |
42 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $5,416Fees | 0.413%Above | 305 | |
43 | 1st Security Bank of WashingtonBank | Sound | Mediocre | Strong | Sound | Exceptional | $3,370Fees | 0.142%Above | 221 | |
44 | Luminate Home Loans, Inc.Independent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $3,625Fees | 0.482%Above | 77 | |
45 | WASHINGTON FEDERAL BANKBank | Sound | Mediocre | Exceptional | Sound | Strong | $4,981Fees | 0.594%Above | 75 | |
46 | ON Q FINANCIAL, LLCIndependent Mortgage Company | Sound | Acceptable | Strong | Acceptable | Strong | $2,590Fees | 0.310%Above | 67 | |
47 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD.Independent Mortgage Company | Sound | Acceptable | Strong | Sound | Sound | $4,899Fees | 0.440%Above | 60 |
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.