Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | NATION ONE MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,287Fees | 0.878%Above | 139 | |
2 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Strong | $3,231Fees | 0.258%Above | 116 | |
3 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Sound | $1,781Fees | 0.267%Below | 32 | |
4 | Citizens Bank, National AssociationBank | Exceptional | Strong | Strong | Sound | Exceptional | $1,346Fees | 0.052%Above | 203 | |
5 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $4,461Fees | 0.339%Above | 42 | |
6 | Advisors Mortgage Group, L.L.C.Independent Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $2,400Fees | 0.333%Above | 374 | |
7 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,742Fees | 0.393%Above | 364 | |
8 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,010Fees | 0.364%Above | 65 | |
9 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $4,054Fees | 0.458%Above | 57 | |
10 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,061Fees | 0.531%Above | 208 | |
11 | Wells Fargo Bank, National AssociationBank | Strong | Sound | Exceptional | Sound | Strong | $1,144Fees | 0.040%Below | 94 | |
12 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,840Fees | 0.472%Above | 67 | |
13 | GREENTREE MORTGAGE COMPANY, L.P.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $2,350Fees | 0.511%Above | 289 | |
14 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,946Fees | 0.646%Above | 50 | |
15 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,240Fees | 1.231%Above | 37 | |
16 | AFFORDABLE MORTGAGE ADVISORS, LLC.Independent Mortgage Company | Strong | Mediocre | Strong | Strong | Exceptional | $1,959Fees | 0.517%Above | 142 | |
17 | NEW DAY FINANCIAL, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Acceptable | $5,227Fees | 1.743%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.