Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $754Fees | 0.532%Below | 134 | |
2 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $249Fees | 0.022%Above | 109 | |
3 | KeyBank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $2,075Fees | 0.037%Below | 69 | |
4 | Global Federal Credit UnionCredit Union | Exceptional | Strong | Exceptional | Strong | Strong | $2,215Fees | 0.012%Below | 63 | |
5 | NBKC BANKBank | Exceptional | Exceptional | Strong | Sound | Strong | $412Fees | 0.378%Below | 50 | |
6 | PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company | Exceptional | Exceptional | Exceptional | Sound | Sound | $2,603Fees | 0.067%Below | 40 | |
7 | BAY EQUITY LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,170Fees | 0.208%Above | 282 | |
8 | Boeing Employees Credit UnionCredit Union | Exceptional | Strong | Strong | Sound | Exceptional | $1,173Fees | 0.012%Above | 246 | |
9 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,169Fees | 0.256%Below | 212 | |
10 | Wells Fargo Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $2,101Fees | 0.069%Above | 60 | |
11 | Bank of America, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Sound | $1,714Fees | 0.075%Below | 43 | |
12 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,366Fees | 0.072%Below | 865 | |
13 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,479Fees | 0.123%Above | 616 | |
14 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Exceptional | $2,656Fees | 0.067%Below | 205 | |
15 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $2,634Fees | 0.181%Above | 90 | |
16 | SAMMAMISH MORTGAGE COMPANYIndependent Mortgage Company | Strong | Strong | Strong | Sound | Strong | $1,761Fees | 0.034%Below | 57 | |
17 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,161Fees | 0.361%Above | 734 | |
18 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,313Fees | 0.420%Above | 695 | |
19 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $5,016Fees | 0.308%Above | 387 | |
20 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,470Fees | 0.419%Above | 365 | |
21 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,750Fees | 0.193%Above | 272 | |
22 | MLD MORTGAGE INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $4,542Fees | 0.111%Above | 47 | |
23 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Strong | Strong | Sound | Sound | $2,924Fees | 0.020%Above | 36 | |
24 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $3,688Fees | 0.059%Above | 22 | |
25 | NEWREZ LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Exceptional | $3,171Fees | 0.178%Above | 306 | |
26 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $3,257Fees | 0.071%Above | 139 | |
27 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,207Fees | 0.296%Above | 129 | |
28 | NOVA FINANCIAL & INVESTMENT CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $6,194Fees | 0.244%Above | 114 | |
29 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,052Fees | 0.421%Above | 94 | |
30 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,230Fees | 0.032%Above | 76 | |
31 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,117Fees | 0.361%Above | 71 | |
32 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,182Fees | 0.228%Above | 69 | |
33 | NexBankBank | Strong | Sound | Strong | Strong | Sound | $2,911Fees | 0.140%Above | 42 | |
34 | EVERGREEN MONEYSOURCE MORTGAGE COMPANYIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $5,319Fees | 0.516%Above | 281 | |
35 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Exceptional | $3,527Fees | 0.126%Below | 211 | |
36 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $3,846Fees | 0.507%Above | 169 | |
37 | HomeStreet BankBank | Strong | Acceptable | Strong | Sound | Exceptional | $4,272Fees | 0.226%Above | 131 | |
38 | CANOPY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $5,608Fees | 0.170%Above | 131 | |
39 | 1st Security Bank of WashingtonBank | Strong | Acceptable | Strong | Strong | Strong | $3,990Fees | 0.164%Above | 98 | |
40 | MASON MCDUFFIE MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $4,324Fees | 0.408%Above | 68 | |
41 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $5,056Fees | 0.510%Above | 64 | |
42 | Umpqua BankBank | Strong | Acceptable | Strong | Strong | Strong | $2,872Fees | 0.182%Above | 40 | |
43 | SCENIC OAKS FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $2,882Fees | 0.326%Above | 34 | |
44 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,362Fees | 0.346%Above | 34 | |
45 | GoodLeap, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Sound | $6,537Fees | 0.038%Below | 31 | |
46 | RESICENTRAL, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Sound | $2,068Fees | 0.135%Above | 26 | |
47 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $4,246Fees | 0.033%Below | 24 | |
48 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $4,697Fees | 0.455%Above | 23 | |
49 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,284Fees | 0.408%Above | 22 | |
50 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $1,201Fees | 0.294%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.