Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Jonah Bank of WyomingBank | Exceptional | Strong | Strong | Exceptional | Exceptional | $3,553Fees | 0.139%Below | 311 | |
2 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,048Fees | 0.087%Above | 489 | |
3 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $4,011Fees | 0.005%Above | 73 | |
4 | WESTERN VISTACredit Union | Exceptional | Sound | Strong | Exceptional | Exceptional | $3,538Fees | 0.015%Above | 118 | |
5 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $1,653Fees | 0.127%Above | 106 | |
6 | First Western Trust BankBank | Exceptional | Strong | Strong | Strong | Strong | $2,701Fees | 0.064%Above | 64 | |
7 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,405Fees | 0.263%Above | 691 | |
8 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,322Fees | 0.391%Above | 442 | |
9 | Wallick & Volk, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,144Fees | 0.438%Above | 250 | |
10 | Glacier BankBank | Strong | Sound | Strong | Strong | Exceptional | $3,385Fees | 0.162%Above | 216 | |
11 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,256Fees | 0.212%Above | 90 | |
12 | Plains Commerce BankBank | Strong | Sound | Exceptional | Strong | Strong | $3,724Fees | 0.379%Above | 72 | |
13 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,813Fees | 0.167%Above | 56 | |
14 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Strong | Exceptional | Sound | Sound | $1,487Fees | 0.179%Below | 35 | |
15 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,006Fees | 0.420%Above | 403 | |
16 | LAKEVIEW LOAN SERVICING, LLCIndependent Mortgage Company | Strong | Strong | Strong | Sound | Sound | $1,663Fees | 0.314%Above | 18 | |
17 | PLANET HOME LENDING, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $1,676Fees | 0.128%Above | 15 | |
18 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,996Fees | 0.228%Above | 139 | |
19 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,955Fees | 0.396%Above | 106 | |
20 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Sound | $3,133Fees | 0.070%Above | 38 | |
21 | AMERICAN FINANCING CORPORATIONIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Sound | $4,940Fees | 0.335%Above | 35 | |
22 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $4,318Fees | 0.480%Above | 177 | |
23 | Pinnacle Bank - WyomingBank | Strong | Acceptable | Sound | Strong | Exceptional | $2,869Fees | 0.098%Above | 164 | |
24 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $5,106Fees | 0.489%Above | 100 | |
25 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,354Fees | 0.148%Above | 45 | |
26 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,859Fees | 0.290%Above | 28 | |
27 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $4,098Fees | 0.431%Above | 25 | |
28 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $4,073Fees | 0.185%Above | 24 | |
29 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $4,247Fees | 1.163%Above | 16 | |
30 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $5,403Fees | 0.337%Above | 193 | |
31 | PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $5,016Fees | 0.361%Above | 60 | |
32 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,656Fees | 0.362%Above | 57 | |
33 | AXIA FINANCIAL, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,892Fees | 0.284%Above | 49 | |
34 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $2,643Fees | 0.259%Above | 40 | |
35 | AMERISAVE MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $5,206Fees | 1.021%Above | 21 | |
36 | Flanagan State BankBank | Strong | Acceptable | Strong | Strong | Sound | $3,402Fees | 0.580%Above | 15 | |
37 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $6,160Fees | 0.033%Above | 13 | |
38 | CENTENNIAL LENDING, LLCIndependent Mortgage Company | Sound | Acceptable | Sound | Sound | Strong | $3,904Fees | 0.021%Below | 39 | |
39 | SECURITYNATIONAL MORTGAGE COMPANYIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $3,974Fees | 0.401%Above | 24 | |
40 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Sound | $2,643Fees | 0.658%Above | 36 |
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.