Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | RANDOLPH-BROOKS FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $445Fees | 0.281%Above | 2,390 | |
2 | PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company | Exceptional | Exceptional | Exceptional | Sound | Exceptional | $796Fees | 0.194%Below | 2,761 | |
3 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Exceptional | $943Fees | 0.492%Below | 2,420 | |
4 | ALLIANCE CREDIT UNIONCredit Union | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,177Fees | 0.165%Above | 832 | |
5 | RALLY CREDIT UNIONCredit Union | Exceptional | Exceptional | Strong | Strong | Exceptional | $798Fees | 0.354%Above | 797 | |
6 | Bank of America, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,765Fees | 0.085%Below | 2,075 | |
7 | PRIORITY HOME MORTGAGE, L.P.Independent Mortgage Company | Exceptional | Exceptional | Strong | Sound | Exceptional | $731Fees | 0.467%Below | 1,237 | |
8 | SECURITY SERVICE FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Strong | Sound | Exceptional | $320Credit | 0.052%Above | 849 | |
9 | Wells Fargo Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Exceptional | $2,092Fees | 0.102%Above | 2,264 | |
10 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,142Fees | 0.051%Below | 1,555 | |
11 | PARKSTONE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Exceptional | Strong | Acceptable | Exceptional | $989Fees | 0.581%Below | 1,062 | |
12 | Amarillo National BankBank | Exceptional | Strong | Strong | Strong | Exceptional | $1,156Fees | 0.154%Above | 838 | |
13 | BHOME MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Exceptional | Sound | Sound | Exceptional | $1,005Fees | 0.135%Below | 743 | |
14 | Frost BankBank | Exceptional | Exceptional | Sound | Sound | Exceptional | $219Credit | 0.379%Below | 703 | |
15 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,537Fees | 0.100%Above | 8,821 | |
16 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,220Fees | 0.003%Above | 7,812 | |
17 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,886Fees | 0.086%Above | 4,738 | |
18 | VELOCIO MORTGAGE L.L.C.Independent Mortgage Company | Exceptional | Strong | Strong | Sound | Exceptional | $1,122Fees | 0.789%Below | 2,479 | |
19 | Cadence BankBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,402Fees | 0.045%Above | 2,034 | |
20 | Texas Tech Federal Credit UnionCredit Union | Exceptional | Sound | Strong | Exceptional | Exceptional | $1,615Fees | 0.232%Above | 812 | |
21 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,559Fees | 0.137%Above | 28,295 | |
22 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,996Fees | 0.409%Above | 21,383 | |
23 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Exceptional | $2,030Fees | 0.034%Below | 2,630 | |
24 | First Financial Bank, National AssociationBank | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $1,387Fees | 0.482%Above | 2,119 | |
25 | AMERIHOME MORTGAGE COMPANY, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $2,069Fees | 0.174%Above | 1,207 | |
26 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,086Fees | 0.270%Above | 1,202 | |
27 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,659Fees | 0.171%Above | 823 | |
28 | TEXAS DOW EMPLOYEES CREDIT UNIONCredit Union | Strong | Sound | Strong | Strong | Exceptional | $1,069Fees | 0.479%Above | 761 | |
29 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,066Fees | 0.215%Above | 7,909 | |
30 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,480Fees | 0.437%Above | 6,671 | |
31 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,048Fees | 0.203%Above | 5,576 | |
32 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,075Fees | 0.465%Above | 5,244 | |
33 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,501Fees | 0.575%Above | 5,161 | |
34 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Sound | Exceptional | $2,439Fees | 0.092%Above | 3,217 | |
35 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,013Fees | 0.219%Above | 3,216 | |
36 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,933Fees | 0.427%Above | 2,838 | |
37 | Flagstar Bank, N.A.Bank | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,696Fees | 0.252%Above | 2,694 | |
38 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,575Fees | 0.480%Above | 2,580 | |
39 | First United Bank and Trust CompanyBank | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,333Fees | 0.331%Above | 2,233 | |
40 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,840Fees | 0.504%Above | 2,225 | |
41 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,338Fees | 0.302%Above | 2,180 | |
42 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,572Fees | 0.430%Above | 2,173 | |
43 | Gateway First BankBank | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,700Fees | 0.465%Above | 2,008 | |
44 | SWBC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,164Fees | 0.308%Above | 1,549 | |
45 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,856Fees | 0.392%Above | 1,478 | |
46 | Prosperity BankBank | Strong | Sound | Strong | Sound | Exceptional | $995Fees | 0.619%Above | 1,353 | |
47 | NexBankBank | Strong | Sound | Strong | Strong | Strong | $2,910Fees | 0.271%Above | 1,150 | |
48 | V.I.P. MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,277Fees | 0.177%Above | 1,083 | |
49 | UNIVERSITY Federal Credit UnionCredit Union | Strong | Sound | Strong | Sound | Exceptional | $3,378Fees | 0.070%Above | 1,015 | |
50 | JET HOMELOANS, LPIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $2,640Fees | 0.126%Below | 945 |
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.