Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Sound | Exceptional | $795Fees | 0.540%Below | 788 | |
2 | Global Federal Credit UnionCredit Union | Exceptional | Strong | Exceptional | Exceptional | $981Fees | 0.514%Below | 479 | |
3 | Morgan Stanley Private Bank, National AssociationBank | Exceptional | Exceptional | Strong | Strong | $422Fees | 0.454%Below | 274 | |
4 | U.S. Bank National AssociationBank | Exceptional | Strong | Strong | Exceptional | $136Credit | 0.111%Below | 1,709 | |
5 | Bank of America, National AssociationBank | Exceptional | Strong | Strong | Exceptional | $321Fees | 0.283%Below | 957 | |
6 | SAMMAMISH MORTGAGE COMPANYIndependent Mortgage Company | Exceptional | Strong | Strong | Exceptional | $876Fees | 0.023%Above | 677 | |
7 | KeyBank National AssociationBank | Exceptional | Strong | Strong | Exceptional | $646Fees | 0.071%Below | 540 | |
8 | PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company | Exceptional | Exceptional | Sound | Strong | $1,702Fees | 0.116%Below | 472 | |
9 | NBKC BANKBank | Exceptional | Exceptional | Sound | Strong | $625Fees | 0.281%Below | 331 | |
10 | Citibank, National AssociationBank | Exceptional | Exceptional | Sound | Strong | $1,372Credit | 0.367%Below | 236 | |
11 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $3,115Fees | 0.001%Below | 6,493 | |
12 | Boeing Employees Credit UnionCredit Union | Strong | Strong | Sound | Exceptional | $762Fees | 0.030%Below | 2,369 | |
13 | Wells Fargo Bank, National AssociationBank | Strong | Strong | Sound | Exceptional | $1,397Fees | 0.145%Below | 1,126 | |
14 | PNC Bank, National AssociationBank | Strong | Strong | Strong | Strong | $355Credit | 0.007%Above | 374 | |
15 | FIRST TECHNOLOGY FEDERAL CREDIT UNIONCredit Union | Strong | Strong | Strong | Strong | $519Credit | 0.091%Below | 355 | |
16 | HSBC BANK USA, NATIONAL ASSOCIATIONBank | Strong | Strong | Strong | Strong | $589Credit | 0.191%Below | 348 | |
17 | ONPOINT COMMUNITY CREDIT UNIONCredit Union | Strong | Strong | Strong | Strong | $1,493Fees | 0.103%Above | 180 | |
18 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Exceptional | $1,620Fees | 0.030%Below | 1,657 | |
19 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | $2,475Fees | 0.063%Above | 1,250 | |
20 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | $2,351Fees | 0.079%Below | 1,187 | |
21 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | $3,919Fees | 0.154%Above | 1,068 | |
22 | Yakima Federal Savings and Loan AssociationBank | Strong | Strong | Sound | Strong | $3,652Fees | 0.311%Below | 172 | |
23 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $4,078Fees | 0.120%Above | 5,275 | |
24 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,624Fees | 0.359%Above | 3,891 | |
25 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $4,531Fees | 0.328%Above | 3,807 | |
26 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,758Fees | 0.314%Above | 3,718 | |
27 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,855Fees | 0.371%Above | 1,968 | |
28 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | $3,083Fees | 0.211%Above | 813 | |
29 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $4,400Fees | 0.356%Above | 718 | |
30 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Strong | $2,601Fees | 0.070%Above | 651 | |
31 | Banner BankBank | Strong | Sound | Sound | Exceptional | $3,212Fees | 0.187%Above | 622 | |
32 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | $1,989Fees | 0.460%Above | 282 | |
33 | General Mortgage Capital CorporationIndependent Mortgage Company | Strong | Sound | Strong | Strong | $1,687Fees | 0.093%Below | 210 | |
34 | WHATCOM EDUCATIONAL CREDIT UNIONCredit Union | Strong | Sound | Strong | Strong | $1,482Fees | 0.136%Above | 207 | |
35 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $4,049Fees | 0.421%Above | 3,427 | |
36 | CORNERSTONE CAPITAL BANK, SSBBank | Strong | Acceptable | Strong | Exceptional | $3,975Fees | 0.403%Above | 1,016 | |
37 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $3,714Fees | 0.205%Above | 997 | |
38 | 1st Security Bank of WashingtonBank | Strong | Acceptable | Strong | Exceptional | $4,249Fees | 0.190%Above | 935 | |
39 | CANOPY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $5,195Fees | 0.320%Above | 647 | |
40 | HomeStreet BankBank | Strong | Acceptable | Strong | Exceptional | $3,019Fees | 0.238%Above | 568 | |
41 | Umpqua BankBank | Strong | Acceptable | Strong | Exceptional | $3,137Fees | 0.219%Above | 520 | |
42 | Sunflower Bank, National AssociationBank | Strong | Acceptable | Strong | Exceptional | $4,653Fees | 0.244%Above | 507 | |
43 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $5,912Fees | 0.368%Above | 463 | |
44 | GESACredit Union | Strong | Acceptable | Strong | Exceptional | $4,510Fees | 0.059%Below | 378 | |
45 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Sound | Strong | $1,964Fees | 0.056%Above | 291 | |
46 | USAA Federal Savings BankBank | Strong | Sound | Sound | Strong | $2,260Fees | 0.178%Below | 287 | |
47 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,876Fees | 0.397%Above | 262 | |
48 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $4,010Fees | 0.444%Above | 243 | |
49 | Washington Trust BankBank | Strong | Sound | Sound | Strong | $1,144Fees | 0.180%Above | 237 | |
50 | NOVA FINANCIAL & INVESTMENT CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $6,184Fees | 0.315%Above | 217 |
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.