Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Levo Federal Credit UnionCredit Union | Exceptional | Exceptional | Sound | Exceptional | Exceptional | $1,876Fees | 0.110%Below | 200 | |
2 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Strong | $3,283Fees | 0.118%Above | 273 | |
3 | First International Bank & TrustBank | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,402Fees | 0.166%Below | 261 | |
4 | First Bank & TrustBank | Exceptional | Strong | Strong | Strong | Exceptional | $2,808Fees | 0.156%Below | 550 | |
5 | First Dakota National BankBank | Exceptional | Exceptional | Sound | Sound | Exceptional | $1,000Fees | 0.112%Below | 409 | |
6 | First PREMIER BankBank | Exceptional | Strong | Strong | Strong | Exceptional | $1,978Fees | 0.094%Below | 406 | |
7 | BLACK HILLS FEDERAL CREDIT UNIONCredit Union | Exceptional | Strong | Strong | Strong | Exceptional | $3,279Fees | 0.112%Below | 305 | |
8 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,035Fees | 0.050%Above | 186 | |
9 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,595Fees | 0.308%Above | 166 | |
10 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Sound | $442Fees | 0.545%Below | 28 | |
11 | Plains Commerce BankBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,993Fees | 0.057%Below | 1,524 | |
12 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,165Fees | 0.200%Above | 395 | |
13 | Dacotah BankBank | Exceptional | Strong | Sound | Strong | Exceptional | $1,902Fees | 0.022%Below | 256 | |
14 | First National Bank of OmahaBank | Exceptional | Strong | Strong | Strong | Strong | $2,348Fees | 0.099%Below | 143 | |
15 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $2,766Fees | 0.406%Above | 68 | |
16 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $2,633Fees | 0.268%Below | 67 | |
17 | KIND LENDING, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $3,831Fees | 0.176%Above | 57 | |
18 | American Bank & TrustBank | Strong | Strong | — | Sound | Exceptional | $2,147Fees | 0.126%Below | 243 | |
19 | Gateway First BankBank | Strong | Sound | Exceptional | Strong | Strong | $2,269Fees | 0.021%Above | 105 | |
20 | USAA Federal Savings BankBank | Strong | Strong | Exceptional | Sound | Sound | $1,946Fees | 0.308%Below | 38 | |
21 | TOWNE MORTGAGE COMPANYIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | Sound | $2,574Fees | 0.295%Below | 27 | |
22 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,351Fees | 0.367%Above | 430 | |
23 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,181Fees | 0.166%Above | 276 | |
24 | BANKWEST, INC.Bank | Strong | Sound | Sound | Strong | Exceptional | $3,213Fees | 0.049%Below | 163 | |
25 | GRANITE BANKBank | Strong | Sound | Strong | Strong | Strong | $2,215Fees | 0.129%Below | 137 | |
26 | Wells Fargo Bank, National AssociationBank | Strong | Sound | Exceptional | Sound | Strong | $1,814Fees | 0.101%Above | 123 | |
27 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $3,353Fees | 0.257%Above | 52 | |
28 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Sound | $1,860Fees | 0.221%Above | 42 | |
29 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,886Fees | 0.311%Above | 39 | |
30 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,412Fees | 0.033%Below | 33 | |
31 | Citizens Bank, National AssociationBank | Strong | Strong | Strong | Sound | Sound | $2,648Fees | 0.028%Above | 25 | |
32 | CORTRUST MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Acceptable | Strong | Exceptional | $2,385Fees | 0.063%Below | 203 | |
33 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,213Fees | 0.559%Above | 177 | |
34 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,319Fees | 0.433%Above | 126 | |
35 | CU MORTGAGE DIRECT, LLCIndependent Mortgage Company | Strong | Sound | Sound | Strong | Strong | $2,486Fees | 0.050%Above | 123 | |
36 | Servion, Inc.Independent Mortgage Company | Strong | Sound | Strong | Strong | Sound | $3,124Fees | 0.280%Above | 33 | |
37 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,672Fees | 0.332%Above | 30 | |
38 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $5,967Fees | 0.490%Above | 52 | |
39 | NEW DAY FINANCIAL, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Sound | $6,089Fees | 1.147%Above | 22 |
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.