Safe Rate Rankings
Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,760Fees | 0.499%Below | 68 | |
2 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,476Fees | 0.264%Above | 489 | |
3 | Wells Fargo Bank, National AssociationBank | Strong | Strong | Exceptional | Sound | Sound | $2,150Fees | 0.064%Above | 21 | |
4 | NOVA FINANCIAL & INVESTMENT CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,093Fees | 0.460%Above | 489 | |
5 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,180Fees | 0.359%Above | 162 | |
6 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Sound | $3,129Fees | 0.293%Above | 28 | |
7 | Zions Bancorporation, N.A.Bank | Strong | Strong | Strong | Sound | Sound | $619Fees | 0.267%Above | 12 | |
8 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,060Fees | 0.416%Above | 226 | |
9 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,919Fees | 0.555%Above | 188 | |
10 | Gateway First BankBank | Strong | Acceptable | Exceptional | Strong | Strong | $1,701Fees | 0.521%Above | 52 | |
11 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Sound | $2,085Fees | 0.102%Below | 21 | |
12 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $4,479Fees | 0.127%Above | 33 | |
13 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,807Fees | 0.722%Above | 23 | |
14 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,937Fees | 0.261%Above | 17 | |
15 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $5,573Fees | 0.845%Above | 12 | |
16 | EFINITY FINANCIAL INC.Independent Mortgage Company | Strong | Mediocre | Strong | Strong | Exceptional | $3,815Fees | 0.758%Above | 121 | |
17 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $2,256Fees | 0.493%Above | 15 | |
18 | USAA Federal Savings BankBank | Strong | Sound | Strong | Acceptable | Sound | $2,733Fees | 0.107%Below | 13 | |
19 | GENEVA FINANCIAL, LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $4,098Fees | 0.604%Above | 56 | |
20 | RESIDENTIAL WHOLESALE MORTGAGE, INC.Independent Mortgage Company | Sound | Acceptable | Strong | Sound | Sound | $2,487Fees | 0.690%Above | 22 | |
21 | NEWREZ LLCIndependent Mortgage Company | Sound | Acceptable | Exceptional | Sound | Acceptable | $3,932Fees | 0.359%Above | 10 | |
22 | SECURITYNATIONAL MORTGAGE COMPANYIndependent Mortgage Company | Sound | Mediocre | Strong | Sound | Strong | $5,059Fees | 0.828%Above | 55 | |
23 | MORTGAGEONE, INC.Independent Mortgage Company | Sound | Mediocre | Strong | Strong | Sound | $4,460Fees | 0.408%Above | 10 |
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.