Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | ALTRA Federal Credit UnionCredit Union | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $530Fees | 0.348%Above | 558 | |
2 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $1,966Fees | 0.178%Above | 1,883 | |
3 | Johnson BankBank | Exceptional | Exceptional | Sound | Exceptional | Exceptional | $509Fees | 0.035%Above | 1,674 | |
4 | FIRST COLONY MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $1,541Fees | 0.334%Above | 815 | |
5 | Bank First, N.A.Bank | Exceptional | Exceptional | — | Exceptional | Exceptional | $242Fees | 0.002%Above | 655 | |
6 | Associated Bank, National AssociationBank | Exceptional | Exceptional | Strong | Sound | Exceptional | $534Fees | 0.047%Below | 2,002 | |
7 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $486Fees | 0.170%Above | 1,404 | |
8 | EDUCATORS CREDIT UNIONCredit Union | Exceptional | Exceptional | — | Strong | Exceptional | $35Fees | 0.124%Below | 890 | |
9 | A + MORTGAGE SERVICES, INC.Independent Mortgage Company | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,425Fees | 0.302%Above | 480 | |
10 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $570Fees | 0.446%Below | 313 | |
11 | First Federal BankBank | Exceptional | Exceptional | Exceptional | Sound | Strong | $815Fees | 0.098%Above | 225 | |
12 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Exceptional | $2,004Fees | 0.228%Above | 903 | |
13 | Bell BankBank | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,730Fees | 0.308%Above | 767 | |
14 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,897Fees | 0.317%Above | 741 | |
15 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,965Fees | 0.206%Above | 709 | |
16 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,124Fees | 0.398%Above | 439 | |
17 | The Huntington National BankBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,197Fees | 0.373%Above | 378 | |
18 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,622Fees | 0.002%Above | 376 | |
19 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,106Fees | 0.328%Above | 189 | |
20 | University of Wisconsin Credit UnionCredit Union | Exceptional | Strong | — | Strong | Exceptional | $398Fees | 0.153%Above | 2,546 | |
21 | Bank Five NineBank | Exceptional | Sound | Strong | Exceptional | Exceptional | $1,040Fees | 0.200%Above | 1,027 | |
22 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,739Fees | 0.711%Above | 400 | |
23 | WISCONSIN MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Sound | Strong | Exceptional | $938Fees | 0.155%Above | 387 | |
24 | The Bank of New GlarusBank | Exceptional | Strong | — | Strong | Exceptional | $567Fees | 0.306%Above | 319 | |
25 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,911Fees | 0.391%Above | 254 | |
26 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,528Fees | 0.369%Above | 226 | |
27 | USAA Federal Savings BankBank | Exceptional | Strong | Exceptional | Sound | Strong | $1,674Fees | 0.194%Below | 200 | |
28 | TOWNE MORTGAGE COMPANYIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,677Fees | 0.674%Above | 132 | |
29 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,935Fees | 0.431%Above | 3,338 | |
30 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,416Fees | 0.402%Above | 2,513 | |
31 | THOMPSON KANE & COMPANY, INCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $1,872Fees | 0.347%Above | 796 | |
32 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,654Fees | 0.294%Above | 614 | |
33 | CAPITAL Credit UnionCredit Union | Strong | Strong | Sound | Sound | Exceptional | $624Fees | 0.156%Below | 598 | |
34 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,095Fees | 0.441%Above | 543 | |
35 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $1,633Fees | 0.404%Above | 383 | |
36 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,645Fees | 0.575%Above | 324 | |
37 | PLANET HOME LENDING, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,061Fees | 0.308%Above | 260 | |
38 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,005Fees | 0.301%Above | 215 | |
39 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,582Fees | 0.423%Above | 1,860 | |
40 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,360Fees | 0.580%Above | 1,170 | |
41 | Royal Credit UnionCredit Union | Strong | Acceptable | Strong | Exceptional | Exceptional | $498Fees | 0.101%Above | 1,070 | |
42 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,120Fees | 0.566%Above | 974 | |
43 | Wells Fargo Bank, National AssociationBank | Strong | Sound | Exceptional | Sound | Strong | $1,948Fees | 0.153%Above | 521 | |
44 | Bank of EnglandBank | Strong | Sound | Strong | Strong | Strong | $2,064Fees | 0.468%Above | 352 | |
45 | Servion, Inc.Independent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $1,276Fees | 0.363%Above | 264 | |
46 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,068Fees | 0.521%Above | 364 | |
47 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,197Fees | 0.634%Above | 336 | |
48 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,389Fees | 0.377%Above | 321 | |
49 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,881Fees | 0.347%Above | 176 | |
50 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,891Fees | 0.465%Above | 149 |
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.