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 | Exceptional | $136Credit | 0.111%Below | 1,709 | |
2 | Wells Fargo Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $1,397Fees | 0.145%Below | 1,126 | |
3 | Bank of America, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $321Fees | 0.283%Below | 957 | |
4 | Global Federal Credit UnionCredit Union | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $981Fees | 0.514%Below | 479 | |
5 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Exceptional | $795Fees | 0.540%Below | 788 | |
6 | FIRST TECHNOLOGY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Strong | Strong | $519Credit | 0.091%Below | 355 | |
7 | HSBC BANK USA, NATIONAL ASSOCIATIONBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $589Credit | 0.191%Below | 348 | |
8 | Morgan Stanley Private Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $422Fees | 0.454%Below | 274 | |
9 | Citibank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,372Credit | 0.367%Below | 236 | |
10 | Boeing Employees Credit UnionCredit Union | Exceptional | Strong | Exceptional | Strong | Exceptional | $762Fees | 0.030%Below | 2,369 | |
11 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $3,083Fees | 0.211%Above | 813 | |
12 | KeyBank National AssociationBank | Exceptional | Strong | Exceptional | Sound | Exceptional | $646Fees | 0.071%Below | 540 | |
13 | BMO Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $28Credit | 0.073%Above | 206 | |
14 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,115Fees | 0.001%Below | 6,493 | |
15 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,078Fees | 0.120%Above | 5,275 | |
16 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,624Fees | 0.359%Above | 3,891 | |
17 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,758Fees | 0.314%Above | 3,718 | |
18 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,620Fees | 0.030%Below | 1,657 | |
19 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,351Fees | 0.079%Below | 1,187 | |
20 | SAMMAMISH MORTGAGE COMPANYIndependent Mortgage Company | Exceptional | Strong | Strong | Sound | Exceptional | $876Fees | 0.023%Above | 677 | |
21 | WHATCOM EDUCATIONAL CREDIT UNIONCredit Union | Exceptional | Strong | Strong | Strong | Strong | $1,482Fees | 0.136%Above | 207 | |
22 | ONPOINT COMMUNITY CREDIT UNIONCredit Union | Exceptional | Strong | Strong | Strong | Strong | $1,493Fees | 0.103%Above | 180 | |
23 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Exceptional | $2,475Fees | 0.063%Above | 1,250 | |
24 | HomeStreet BankBank | Strong | Sound | Strong | Strong | Exceptional | $3,019Fees | 0.238%Above | 568 | |
25 | OriginPoint, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Exceptional | $2,776Fees | 0.270%Above | 551 | |
26 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $5,912Fees | 0.368%Above | 463 | |
27 | PNC Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $355Credit | 0.007%Above | 374 | |
28 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,531Fees | 0.328%Above | 3,807 | |
29 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,049Fees | 0.421%Above | 3,427 | |
30 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,855Fees | 0.371%Above | 1,968 | |
31 | CORNERSTONE CAPITAL BANK, SSBBank | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,975Fees | 0.403%Above | 1,016 | |
32 | Banner BankBank | Strong | Sound | Strong | Sound | Exceptional | $3,212Fees | 0.187%Above | 622 | |
33 | Umpqua BankBank | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,137Fees | 0.219%Above | 520 | |
34 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $4,010Fees | 0.444%Above | 243 | |
35 | Yakima Federal Savings and Loan AssociationBank | Strong | Strong | Sound | Sound | Strong | $3,652Fees | 0.311%Below | 172 | |
36 | NEWREZ LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Exceptional | $2,593Fees | 0.255%Above | 1,521 | |
37 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Exceptional | $3,888Fees | 0.403%Above | 1,164 | |
38 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,170Fees | 0.197%Above | 547 | |
39 | GESACredit Union | Strong | Acceptable | Strong | Strong | Exceptional | $4,510Fees | 0.059%Below | 378 | |
40 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Strong | Sound | Acceptable | Strong | $1,964Fees | 0.056%Above | 291 | |
41 | EVERGREEN MONEYSOURCE MORTGAGE COMPANYIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $5,165Fees | 0.472%Above | 1,921 | |
42 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Exceptional | $3,919Fees | 0.154%Above | 1,068 | |
43 | NFM, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,400Fees | 0.356%Above | 718 | |
44 | Sunflower Bank, National AssociationBank | Strong | Acceptable | Strong | Sound | Exceptional | $4,653Fees | 0.244%Above | 507 | |
45 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $2,328Fees | 0.238%Above | 313 | |
46 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $3,609Fees | 0.374%Above | 300 | |
47 | WASHINGTON STATE EMPLOYEES CREDIT UNIONCredit Union | Strong | Acceptable | Strong | Sound | Exceptional | $1,697Fees | 0.336%Above | 287 | |
48 | Peoples BankBank | Strong | Acceptable | Strong | Sound | Exceptional | $3,127Fees | 0.178%Above | 265 | |
49 | Washington Trust BankBank | Strong | Acceptable | Strong | Strong | Strong | $1,144Fees | 0.180%Above | 237 | |
50 | SCENIC OAKS FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $3,075Fees | 0.315%Above | 324 |
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.