Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $3,115Fees | 0.001%Below | 6,493 | |
2 | CORNERSTONE CAPITAL BANK, SSBBank | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $3,975Fees | 0.403%Above | 1,016 | |
3 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Exceptional | $795Fees | 0.540%Below | 788 | |
4 | KeyBank National AssociationBank | Exceptional | Exceptional | Strong | Strong | Exceptional | $646Fees | 0.071%Below | 540 | |
5 | NBKC BANKBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $625Fees | 0.281%Below | 331 | |
6 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $136Credit | 0.111%Below | 1,709 | |
7 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,351Fees | 0.079%Below | 1,187 | |
8 | Global Federal Credit UnionCredit Union | Exceptional | Strong | Strong | Exceptional | Exceptional | $981Fees | 0.514%Below | 479 | |
9 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,624Fees | 0.359%Above | 3,891 | |
10 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,758Fees | 0.314%Above | 3,718 | |
11 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Exceptional | $1,620Fees | 0.030%Below | 1,657 | |
12 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $3,083Fees | 0.211%Above | 813 | |
13 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,601Fees | 0.070%Above | 651 | |
14 | OriginPoint, LLCIndependent Mortgage Company | Exceptional | Strong | Strong | Strong | Exceptional | $2,776Fees | 0.270%Above | 551 | |
15 | KIND LENDING, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,328Fees | 0.238%Above | 313 | |
16 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,989Fees | 0.460%Above | 282 | |
17 | Boeing Employees Credit UnionCredit Union | Exceptional | Strong | Strong | Sound | Exceptional | $762Fees | 0.030%Below | 2,369 | |
18 | NEWREZ LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,593Fees | 0.255%Above | 1,521 | |
19 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,475Fees | 0.063%Above | 1,250 | |
20 | SAMMAMISH MORTGAGE COMPANYIndependent Mortgage Company | Exceptional | Strong | Strong | Sound | Exceptional | $876Fees | 0.023%Above | 677 | |
21 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $5,912Fees | 0.368%Above | 463 | |
22 | USAA Federal Savings BankBank | Exceptional | Strong | Exceptional | Sound | Strong | $2,260Fees | 0.178%Below | 287 | |
23 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,078Fees | 0.120%Above | 5,275 | |
24 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,855Fees | 0.371%Above | 1,968 | |
25 | Wells Fargo Bank, National AssociationBank | Strong | Sound | Exceptional | Sound | Exceptional | $1,397Fees | 0.145%Below | 1,126 | |
26 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,400Fees | 0.356%Above | 718 | |
27 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,170Fees | 0.197%Above | 547 | |
28 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,609Fees | 0.374%Above | 300 | |
29 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,964Fees | 0.056%Above | 291 | |
30 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $3,711Fees | 0.203%Above | 282 | |
31 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,531Fees | 0.328%Above | 3,807 | |
32 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,049Fees | 0.421%Above | 3,427 | |
33 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,919Fees | 0.154%Above | 1,068 | |
34 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,714Fees | 0.205%Above | 997 | |
35 | Banner BankBank | Strong | Sound | Strong | Sound | Exceptional | $3,212Fees | 0.187%Above | 622 | |
36 | Glacier BankBank | Strong | Sound | Strong | Strong | Strong | $4,275Fees | 0.230%Above | 360 | |
37 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,876Fees | 0.397%Above | 262 | |
38 | EVERGREEN MONEYSOURCE MORTGAGE COMPANYIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $5,165Fees | 0.472%Above | 1,921 | |
39 | 1st Security Bank of WashingtonBank | Strong | Acceptable | Strong | Strong | Exceptional | $4,249Fees | 0.190%Above | 935 | |
40 | HomeStreet BankBank | Strong | Acceptable | Strong | Strong | Exceptional | $3,019Fees | 0.238%Above | 568 | |
41 | Umpqua BankBank | Strong | Acceptable | Strong | Strong | Exceptional | $3,137Fees | 0.219%Above | 520 | |
42 | Sunflower Bank, National AssociationBank | Strong | Acceptable | Strong | Strong | Exceptional | $4,653Fees | 0.244%Above | 507 | |
43 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,219Fees | 0.137%Above | 402 | |
44 | NATIONS DIRECT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,041Fees | 0.183%Above | 335 | |
45 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,010Fees | 0.444%Above | 243 | |
46 | WHATCOM EDUCATIONAL CREDIT UNIONCredit Union | Strong | Sound | — | Strong | Strong | $1,482Fees | 0.136%Above | 207 | |
47 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,161Fees | 0.495%Above | 199 | |
48 | Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,146Fees | 0.127%Above | 173 | |
49 | Synergy One Lending, Inc.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $5,118Fees | 0.343%Above | 247 | |
50 | ZILLOW HOME LOANS, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $3,293Fees | 0.230%Above | 204 |
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.