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 | Sound | $941Fees | 0.063%Above | 17 | |
2 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,799Fees | 0.095%Above | 409 | |
3 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,957Fees | 0.058%Above | 181 | |
4 | Zions Bancorporation, N.A.Bank | Exceptional | Strong | Exceptional | Sound | Strong | $1,489Fees | 0.108%Below | 58 | |
5 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,974Fees | 0.285%Above | 454 | |
6 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,523Fees | 0.119%Above | 115 | |
7 | GOLDENWESTCredit Union | Strong | Acceptable | Strong | Sound | Strong | $4,897Fees | 0.239%Below | 29 | |
8 | Glacier BankBank | Sound | Mediocre | Exceptional | Sound | Sound | $4,047Fees | 0.001%Below | 14 |
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.