Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | FIRST STATE MORTGAGE SERVICES, LLCIndependent Mortgage Company | Exceptional | Sound | Strong | Exceptional | Exceptional | $1,732Fees | 0.332%Above | 580 | |
2 | U.S. Bank National AssociationBank | Strong | Strong | Exceptional | Sound | Sound | $522Fees | 0.249%Above | 33 | |
3 | FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Exceptional | Sound | $1,107Fees | 0.371%Above | 31 | |
4 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Strong | Exceptional | Strong | Acceptable | $777Fees | 0.998%Above | 10 | |
5 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,397Fees | 0.447%Above | 107 | |
6 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,928Fees | 0.442%Above | 14 | |
7 | COMPASS MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $1,751Fees | 0.508%Above | 102 | |
8 | Synergy One Lending, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,113Fees | 0.838%Above | 16 | |
9 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Sound | $2,948Fees | 0.843%Above | 44 | |
10 | Ixonia BankBank | Sound | Mediocre | Exceptional | Strong | Sound | $3,834Fees | 0.737%Above | 37 | |
11 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Sound | $2,375Fees | 0.723%Above | 14 |
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.