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 | Strong | $341Fees | 0.008%Below | 77 | |
2 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,804Fees | 0.062%Above | 732 | |
3 | BMO Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Sound | $789Fees | 0.157%Above | 35 | |
4 | NOVA FINANCIAL & INVESTMENT CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $1,694Fees | 0.301%Above | 1,064 | |
5 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $2,556Fees | 0.185%Above | 306 | |
6 | Zions Bancorporation, N.A.Bank | Strong | Strong | Exceptional | Sound | Sound | $1,150Fees | 0.341%Above | 51 | |
7 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,405Fees | 0.419%Above | 941 | |
8 | ALTITUDE FINANCIAL CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Sound | Exceptional | $1,792Fees | 0.291%Above | 571 | |
9 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,658Fees | 0.179%Above | 433 | |
10 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,470Fees | 0.492%Above | 395 | |
11 | VANTAGE WESTCredit Union | Strong | Sound | Strong | Sound | Exceptional | $1,567Fees | 0.079%Below | 166 | |
12 | V.I.P. MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $3,206Fees | 0.531%Above | 506 | |
13 | OneAZ Credit UnionCredit Union | Strong | Sound | Strong | Sound | Sound | $1,682Fees | 0.206%Above | 37 |
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.