Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Wells Fargo Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $2,092Fees | 0.102%Above | 2,264 | |
2 | Bank of America, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $1,765Fees | 0.085%Below | 2,075 | |
3 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Exceptional | $943Fees | 0.492%Below | 2,420 | |
4 | RANDOLPH-BROOKS FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Exceptional | $445Fees | 0.281%Above | 2,390 | |
5 | U.S. Bank National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,142Fees | 0.051%Below | 1,555 | |
6 | SECURITY SERVICE FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Exceptional | $320Credit | 0.052%Above | 849 | |
7 | Frost BankBank | Exceptional | Exceptional | Strong | Strong | Exceptional | $219Credit | 0.379%Below | 703 | |
8 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $3,013Fees | 0.219%Above | 3,216 | |
9 | Amarillo National BankBank | Exceptional | Strong | Sound | Exceptional | Exceptional | $1,156Fees | 0.154%Above | 838 | |
10 | RALLY CREDIT UNIONCredit Union | Exceptional | Exceptional | — | Sound | Exceptional | $798Fees | 0.354%Above | 797 | |
11 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,559Fees | 0.137%Above | 28,295 | |
12 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,996Fees | 0.409%Above | 21,383 | |
13 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,537Fees | 0.100%Above | 8,821 | |
14 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,066Fees | 0.215%Above | 7,909 | |
15 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,048Fees | 0.203%Above | 5,576 | |
16 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,030Fees | 0.034%Below | 2,630 | |
17 | SWBC MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,164Fees | 0.308%Above | 1,549 | |
18 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Exceptional | $2,220Fees | 0.003%Above | 7,812 | |
19 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $3,840Fees | 0.504%Above | 2,225 | |
20 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,594Fees | 0.377%Above | 1,898 | |
21 | JET HOMELOANS, LPIndependent Mortgage Company | Strong | Strong | Sound | Strong | Strong | $2,640Fees | 0.126%Below | 945 | |
22 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,480Fees | 0.437%Above | 6,671 | |
23 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,075Fees | 0.465%Above | 5,244 | |
24 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,501Fees | 0.575%Above | 5,161 | |
25 | CORNERSTONE CAPITAL BANK, SSBBank | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,496Fees | 0.105%Above | 2,043 | |
26 | UNIVERSITY Federal Credit UnionCredit Union | Strong | Sound | Strong | Sound | Exceptional | $3,378Fees | 0.070%Above | 1,015 | |
27 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $1,868Fees | 0.068%Above | 897 | |
28 | REPUBLIC STATE MORTGAGE CO.Independent Mortgage Company | Strong | Sound | Sound | Strong | Exceptional | $1,799Fees | 0.095%Above | 781 | |
29 | TEXAS DOW EMPLOYEES CREDIT UNIONCredit Union | Strong | Sound | — | Strong | Exceptional | $1,069Fees | 0.479%Above | 761 | |
30 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Exceptional | $3,933Fees | 0.427%Above | 2,838 | |
31 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Exceptional | $3,644Fees | 0.572%Above | 2,793 | |
32 | First United Bank and Trust CompanyBank | Strong | Acceptable | Exceptional | Sound | Exceptional | $2,333Fees | 0.331%Above | 2,233 | |
33 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Exceptional | $2,338Fees | 0.302%Above | 2,180 | |
34 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,636Fees | 0.364%Above | 1,555 | |
35 | Prosperity BankBank | Strong | Acceptable | Exceptional | Sound | Exceptional | $995Fees | 0.619%Above | 1,353 | |
36 | NexBankBank | Strong | Acceptable | Exceptional | Strong | Strong | $2,910Fees | 0.271%Above | 1,150 | |
37 | CRESTMARK MORTGAGE COMPANY, LTD.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $4,105Fees | 0.136%Below | 1,124 | |
38 | Synergy One Lending, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,517Fees | 0.428%Above | 721 | |
39 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Acceptable | Strong | Sound | Exceptional | $1,886Fees | 0.086%Above | 4,738 | |
40 | SFMC, LPIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Exceptional | $4,176Fees | 0.281%Above | 3,353 | |
41 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD.Independent Mortgage Company | Strong | Acceptable | Strong | Sound | Exceptional | $4,575Fees | 0.480%Above | 2,580 | |
42 | Cadence BankBank | Strong | Mediocre | Exceptional | Strong | Exceptional | $2,402Fees | 0.045%Above | 2,034 | |
43 | NEWREZ LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $2,724Fees | 0.385%Above | 1,993 | |
44 | AMERICAN PORTFOLIO MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Exceptional | $3,655Fees | 0.453%Above | 1,954 | |
45 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $2,619Fees | 0.337%Above | 1,517 | |
46 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Exceptional | $2,856Fees | 0.392%Above | 1,478 | |
47 | LOANPEOPLE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Exceptional | $3,565Fees | 0.232%Above | 1,443 | |
48 | V.I.P. MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $3,277Fees | 0.177%Above | 1,083 | |
49 | PILGRIM MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | — | Strong | Exceptional | $3,958Fees | 0.340%Above | 796 | |
50 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $3,802Fees | 0.476%Above | 1,056 |
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.