Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | KeyBank National AssociationBank | Exceptional | Exceptional | Strong | Sound | Exceptional | $646Fees | 0.071%Below | 540 | |
2 | Global Federal Credit UnionCredit Union | Exceptional | Strong | Strong | Exceptional | Exceptional | $981Fees | 0.514%Below | 479 | |
3 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,115Fees | 0.001%Below | 6,493 | |
4 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Sound | Exceptional | $136Credit | 0.111%Below | 1,709 | |
5 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Exceptional | $2,351Fees | 0.079%Below | 1,187 | |
6 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,601Fees | 0.070%Above | 651 | |
7 | NBKC BANKBank | Exceptional | Exceptional | Strong | Sound | Strong | $625Fees | 0.281%Below | 331 | |
8 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,475Fees | 0.063%Above | 1,250 | |
9 | 1st Security Bank of WashingtonBank | Exceptional | Sound | Strong | Exceptional | Exceptional | $4,249Fees | 0.190%Above | 935 | |
10 | Banner BankBank | Exceptional | Strong | Strong | Sound | Exceptional | $3,212Fees | 0.187%Above | 622 | |
11 | WASHINGTON STATE EMPLOYEES CREDIT UNIONCredit Union | Exceptional | Strong | Strong | Sound | Exceptional | $1,697Fees | 0.336%Above | 287 | |
12 | ONPOINT COMMUNITY CREDIT UNIONCredit Union | Exceptional | Strong | Strong | Strong | Strong | $1,493Fees | 0.103%Above | 180 | |
13 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,078Fees | 0.120%Above | 5,275 | |
14 | Boeing Employees Credit UnionCredit Union | Strong | Strong | Sound | Sound | Exceptional | $762Fees | 0.030%Below | 2,369 | |
15 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,855Fees | 0.371%Above | 1,968 | |
16 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Exceptional | $2,593Fees | 0.255%Above | 1,521 | |
17 | CORNERSTONE CAPITAL BANK, SSBBank | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,975Fees | 0.403%Above | 1,016 | |
18 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,400Fees | 0.356%Above | 718 | |
19 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,170Fees | 0.197%Above | 547 | |
20 | NATIONS DIRECT MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,041Fees | 0.183%Above | 335 | |
21 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,328Fees | 0.238%Above | 313 | |
22 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,989Fees | 0.460%Above | 282 | |
23 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $3,711Fees | 0.203%Above | 282 | |
24 | NOVA FINANCIAL & INVESTMENT CORPORATIONIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $6,184Fees | 0.315%Above | 217 | |
25 | RESICENTRAL, LLCIndependent Mortgage Company | Strong | Strong | Strong | Sound | Strong | $1,208Fees | 0.083%Above | 188 | |
26 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,624Fees | 0.359%Above | 3,891 | |
27 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,531Fees | 0.328%Above | 3,807 | |
28 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,758Fees | 0.314%Above | 3,718 | |
29 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Sound | Exceptional | $1,620Fees | 0.030%Below | 1,657 | |
30 | Wells Fargo Bank, National AssociationBank | Strong | Sound | Strong | Sound | Exceptional | $1,397Fees | 0.145%Below | 1,126 | |
31 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,919Fees | 0.154%Above | 1,068 | |
32 | CANOPY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $5,195Fees | 0.320%Above | 647 | |
33 | HomeStreet BankBank | Strong | Sound | Strong | Sound | Exceptional | $3,019Fees | 0.238%Above | 568 | |
34 | OriginPoint, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Exceptional | $2,776Fees | 0.270%Above | 551 | |
35 | Sunflower Bank, National AssociationBank | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,653Fees | 0.244%Above | 507 | |
36 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $5,912Fees | 0.368%Above | 463 | |
37 | Glacier BankBank | Strong | Sound | Strong | Strong | Strong | $4,275Fees | 0.230%Above | 360 | |
38 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,876Fees | 0.397%Above | 262 | |
39 | EVERGREEN MONEYSOURCE MORTGAGE COMPANYIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $5,165Fees | 0.472%Above | 1,921 | |
40 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $5,328Fees | 0.439%Above | 1,783 | |
41 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Exceptional | $3,714Fees | 0.205%Above | 997 | |
42 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,083Fees | 0.211%Above | 813 | |
43 | Umpqua BankBank | Strong | Acceptable | Strong | Strong | Exceptional | $3,137Fees | 0.219%Above | 520 | |
44 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,609Fees | 0.374%Above | 300 | |
45 | Synergy One Lending, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $5,118Fees | 0.343%Above | 247 | |
46 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,010Fees | 0.444%Above | 243 | |
47 | ZILLOW HOME LOANS, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,293Fees | 0.230%Above | 204 | |
48 | Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,146Fees | 0.127%Above | 173 | |
49 | SCENIC OAKS FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $3,075Fees | 0.315%Above | 324 | |
50 | MASON MCDUFFIE MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $3,642Fees | 0.341%Above | 180 |
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.