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 | Exceptional | $795Fees | 0.540%Below | 788 | |
2 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $136Credit | 0.111%Below | 1,709 | |
3 | Bank of America, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $321Fees | 0.283%Below | 957 | |
4 | KeyBank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $646Fees | 0.071%Below | 540 | |
5 | Global Federal Credit UnionCredit Union | Exceptional | Strong | Exceptional | Strong | Exceptional | $981Fees | 0.514%Below | 479 | |
6 | PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,702Fees | 0.116%Below | 472 | |
7 | Citibank, National AssociationBank | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,372Credit | 0.367%Below | 236 | |
8 | Wells Fargo Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Exceptional | $1,397Fees | 0.145%Below | 1,126 | |
9 | PNC Bank, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $355Credit | 0.007%Above | 374 | |
10 | NBKC BANKBank | Exceptional | Exceptional | Strong | Sound | Strong | $625Fees | 0.281%Below | 331 | |
11 | Morgan Stanley Private Bank, National AssociationBank | Exceptional | Exceptional | Strong | Sound | Strong | $422Fees | 0.454%Below | 274 | |
12 | Boeing Employees Credit UnionCredit Union | Exceptional | Strong | Strong | Sound | Exceptional | $762Fees | 0.030%Below | 2,369 | |
13 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,620Fees | 0.030%Below | 1,657 | |
14 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,475Fees | 0.063%Above | 1,250 | |
15 | BAY EQUITY LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,919Fees | 0.154%Above | 1,068 | |
16 | SAMMAMISH MORTGAGE COMPANYIndependent Mortgage Company | Exceptional | Strong | Strong | Sound | Exceptional | $876Fees | 0.023%Above | 677 | |
17 | ONPOINT COMMUNITY CREDIT UNIONCredit Union | Exceptional | Strong | Strong | Strong | Strong | $1,493Fees | 0.103%Above | 180 | |
18 | Yakima Federal Savings and Loan AssociationBank | Exceptional | Strong | Strong | Strong | Strong | $3,652Fees | 0.311%Below | 172 | |
19 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,115Fees | 0.001%Below | 6,493 | |
20 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,078Fees | 0.120%Above | 5,275 | |
21 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Exceptional | $2,351Fees | 0.079%Below | 1,187 | |
22 | HSBC BANK USA, NATIONAL ASSOCIATIONBank | Strong | Strong | Strong | Sound | Strong | $589Credit | 0.191%Below | 348 | |
23 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Strong | Strong | Sound | Strong | $1,964Fees | 0.056%Above | 291 | |
24 | BMO Bank National AssociationBank | Strong | Strong | Strong | Sound | Strong | $28Credit | 0.073%Above | 206 | |
25 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,624Fees | 0.359%Above | 3,891 | |
26 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,531Fees | 0.328%Above | 3,807 | |
27 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,758Fees | 0.314%Above | 3,718 | |
28 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,049Fees | 0.421%Above | 3,427 | |
29 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,855Fees | 0.371%Above | 1,968 | |
30 | General Mortgage Capital CorporationIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $1,687Fees | 0.093%Below | 210 | |
31 | WHATCOM EDUCATIONAL CREDIT UNIONCredit Union | Strong | Sound | Strong | Strong | Strong | $1,482Fees | 0.136%Above | 207 | |
32 | NEWREZ LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Exceptional | $2,593Fees | 0.255%Above | 1,521 | |
33 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Exceptional | $3,888Fees | 0.403%Above | 1,164 | |
34 | 1st Security Bank of WashingtonBank | Strong | Acceptable | Strong | Strong | Exceptional | $4,249Fees | 0.190%Above | 935 | |
35 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,083Fees | 0.211%Above | 813 | |
36 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,170Fees | 0.197%Above | 547 | |
37 | Umpqua BankBank | Strong | Acceptable | Strong | Strong | Exceptional | $3,137Fees | 0.219%Above | 520 | |
38 | Sunflower Bank, National AssociationBank | Strong | Acceptable | Strong | Strong | Exceptional | $4,653Fees | 0.244%Above | 507 | |
39 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $5,912Fees | 0.368%Above | 463 | |
40 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,219Fees | 0.137%Above | 402 | |
41 | GESACredit Union | Strong | Acceptable | Strong | Strong | Exceptional | $4,510Fees | 0.059%Below | 378 | |
42 | SPOKANE TEACHERSCredit Union | Strong | Acceptable | Strong | Strong | Exceptional | $3,461Fees | 0.349%Above | 339 | |
43 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,328Fees | 0.238%Above | 313 | |
44 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,609Fees | 0.374%Above | 300 | |
45 | Flagstar Bank, N.A.Bank | Strong | Acceptable | Exceptional | Strong | Strong | $3,711Fees | 0.203%Above | 282 | |
46 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,876Fees | 0.397%Above | 262 | |
47 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,010Fees | 0.444%Above | 243 | |
48 | NOVA FINANCIAL & INVESTMENT CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $6,184Fees | 0.315%Above | 217 | |
49 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,161Fees | 0.495%Above | 199 | |
50 | Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,146Fees | 0.127%Above | 173 |
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.