Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | The Huntington National BankBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $450Fees | 0.501%Above | 687 | |
2 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,447Fees | 0.279%Above | 259 | |
3 | KeyBank National AssociationBank | Exceptional | Exceptional | Strong | Sound | Strong | $1,729Fees | 0.019%Above | 75 | |
4 | Fifth Third Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $741Fees | 0.424%Above | 159 | |
5 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $2,177Fees | 0.278%Above | 50 | |
6 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $1,739Fees | 0.380%Above | 18 | |
7 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,596Fees | 0.482%Above | 763 | |
8 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,573Fees | 0.412%Above | 358 | |
9 | HOWARD HANNA FINANCIAL SERVICES, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $2,390Fees | 0.304%Above | 267 | |
10 | Citizens Bank, National AssociationBank | Strong | Strong | Strong | Sound | Strong | $1,554Fees | 0.101%Above | 104 | |
11 | PNC Bank, National AssociationBank | Strong | Strong | Strong | Sound | Strong | $51Fees | 0.192%Above | 69 | |
12 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Strong | Exceptional | Sound | Sound | $1,160Fees | 0.012%Above | 44 | |
13 | GoodLeap, LLCIndependent Mortgage Company | Strong | Strong | Exceptional | Sound | Sound | $3,931Fees | 0.414%Above | 25 | |
14 | RUOFF MORTGAGE COMPANY, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,189Fees | 0.392%Above | 239 | |
15 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,830Fees | 0.835%Above | 173 | |
16 | Synergy One Lending, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,095Fees | 0.554%Above | 172 | |
17 | Nations Lending CorporationIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,066Fees | 0.429%Above | 91 | |
18 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Sound | $2,333Fees | 0.699%Above | 45 | |
19 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,916Fees | 0.685%Above | 41 | |
20 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Sound | Strong | $2,082Fees | 0.310%Above | 200 | |
21 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,444Fees | 0.277%Above | 126 | |
22 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Sound | $2,301Fees | 0.632%Above | 49 | |
23 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,404Fees | 0.739%Above | 47 | |
24 | Alcova Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $2,458Fees | 0.689%Above | 18 | |
25 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,564Fees | 0.710%Above | 987 | |
26 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $708Credit | 0.514%Above | 145 | |
27 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,923Fees | 0.690%Above | 36 | |
28 | ZILLOW HOME LOANS, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,328Fees | 0.892%Above | 26 | |
29 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $4,131Fees | 0.915%Above | 24 | |
30 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $1,797Fees | 0.409%Above | 22 | |
31 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,250Fees | 0.482%Above | 17 | |
32 | POLARIS HOME FUNDING CORP.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,997Fees | 0.744%Above | 78 | |
33 | PREMIER LENDING, INC.Independent Mortgage Company | Strong | Mediocre | Strong | Exceptional | Strong | $2,307Fees | 0.267%Above | 51 | |
34 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $2,446Fees | 0.493%Above | 43 | |
35 | GVC MORTGAGE, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Sound | $2,711Fees | 0.638%Above | 38 | |
36 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Sound | $4,042Fees | 0.916%Above | 36 | |
37 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $2,712Fees | 0.433%Above | 18 | |
38 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $3,251Fees | 0.579%Above | 50 | |
39 | Ixonia BankBank | Sound | Mediocre | Exceptional | Strong | Sound | $3,741Fees | 1.066%Above | 24 | |
40 | LIBERTY HOME MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Strong | Sound | Strong | $3,214Fees | 0.740%Above | 88 | |
41 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Sound | $3,229Fees | 0.808%Above | 38 |
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.