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 | $2,670Fees | 0.085%Above | 140 | |
2 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,051Fees | 0.008%Below | 102 | |
3 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,504Fees | 0.103%Above | 53 | |
4 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,268Fees | 0.179%Above | 292 | |
5 | Trustmark National BankBank | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,046Fees | 0.211%Above | 140 | |
6 | Renasant BankBank | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,324Fees | 0.202%Above | 98 | |
7 | Filo Mortgage, L.L.C.Independent Mortgage Company | Exceptional | Exceptional | Strong | Sound | Strong | $2,082Fees | 0.159%Above | 47 | |
8 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Sound | $217Fees | 0.430%Below | 29 | |
9 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,673Fees | 0.384%Above | 45 | |
10 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,366Fees | 0.007%Below | 35 | |
11 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $4,097Fees | 0.667%Above | 26 | |
12 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $2,967Fees | 0.479%Above | 15 | |
13 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,760Fees | 0.356%Above | 173 | |
14 | USAA Federal Savings BankBank | Strong | Strong | Exceptional | Sound | Sound | $1,558Fees | 0.154%Below | 18 | |
15 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,385Fees | 0.196%Above | 128 | |
16 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,476Fees | 0.339%Above | 23 | |
17 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $4,242Fees | 0.509%Below | 17 | |
18 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,073Fees | 0.876%Above | 93 | |
19 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,045Fees | 0.434%Above | 72 | |
20 | EMM LOANS LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,485Fees | 0.344%Above | 56 | |
21 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,057Fees | 0.391%Above | 23 | |
22 | Northpointe BankBank | Strong | Sound | Strong | Strong | Sound | $2,809Fees | 0.174%Above | 19 | |
23 | CANOPY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,711Fees | 0.241%Above | 160 | |
24 | RUOFF MORTGAGE COMPANY, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,603Fees | 0.101%Above | 19 | |
25 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Sound | Acceptable | Exceptional | Sound | Acceptable | $5,204Fees | 0.049%Above | 11 | |
26 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Sound | $2,922Fees | 0.572%Above | 24 | |
27 | NEW DAY FINANCIAL, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Sound | $5,748Fees | 1.110%Above | 13 |
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.