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 | $3,048Fees | 0.087%Above | 489 | |
2 | Jonah Bank of WyomingBank | Exceptional | Strong | Strong | Exceptional | Exceptional | $3,553Fees | 0.139%Below | 311 | |
3 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,653Fees | 0.127%Above | 106 | |
4 | KIND LENDING, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $3,256Fees | 0.212%Above | 90 | |
5 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $4,011Fees | 0.005%Above | 73 | |
6 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Sound | $987Fees | 0.514%Below | 39 | |
7 | WESTERN VISTACredit Union | Exceptional | Sound | Strong | Exceptional | Exceptional | $3,538Fees | 0.015%Above | 118 | |
8 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,955Fees | 0.396%Above | 106 | |
9 | USAA Federal Savings BankBank | Exceptional | Strong | Exceptional | Sound | Strong | $1,543Fees | 0.244%Below | 60 | |
10 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $1,487Fees | 0.179%Below | 35 | |
11 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,405Fees | 0.263%Above | 691 | |
12 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,322Fees | 0.391%Above | 442 | |
13 | Glacier BankBank | Strong | Sound | Strong | Strong | Exceptional | $3,385Fees | 0.162%Above | 216 | |
14 | Plains Commerce BankBank | Strong | Sound | Exceptional | Strong | Strong | $3,724Fees | 0.379%Above | 72 | |
15 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,813Fees | 0.167%Above | 56 | |
16 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,006Fees | 0.420%Above | 403 | |
17 | Wallick & Volk, Inc.Independent Mortgage Company | Strong | Acceptable | Strong | Exceptional | Exceptional | $4,144Fees | 0.438%Above | 250 | |
18 | Servion, Inc.Independent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $3,811Fees | 0.067%Above | 81 | |
19 | First Western Trust BankBank | Strong | Sound | Strong | Strong | Strong | $2,701Fees | 0.064%Above | 64 | |
20 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,643Fees | 0.259%Above | 40 | |
21 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $3,133Fees | 0.070%Above | 38 | |
22 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $5,403Fees | 0.337%Above | 193 | |
23 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,318Fees | 0.480%Above | 177 | |
24 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,996Fees | 0.228%Above | 139 | |
25 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,656Fees | 0.362%Above | 57 | |
26 | LoanUnited.com, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Sound | $838Fees | 0.215%Below | 15 | |
27 | Pinnacle Bank - WyomingBank | Strong | Acceptable | Sound | Strong | Exceptional | $2,869Fees | 0.098%Above | 164 | |
28 | LAKEVIEW LOAN SERVICING, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Sound | $1,663Fees | 0.314%Above | 18 | |
29 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $5,106Fees | 0.489%Above | 100 | |
30 | PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $5,016Fees | 0.361%Above | 60 | |
31 | AXIA FINANCIAL, LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $3,892Fees | 0.284%Above | 49 | |
32 | NEW DAY FINANCIAL, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Sound | $7,183Fees | 1.183%Above | 19 | |
33 | The Federal Savings BankBank | Sound | Mediocre | Exceptional | Sound | Sound | $4,690Fees | 0.193%Above | 15 | |
34 | CENTENNIAL LENDING, LLCIndependent Mortgage Company | Sound | Acceptable | Acceptable | Acceptable | Strong | $3,904Fees | 0.021%Below | 39 |
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.