Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | PREMIUM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $1,201Fees | 0.250%Above | 1,327 | |
2 | Manufacturers and Traders Trust CompanyBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $784Fees | 0.143%Above | 1,054 | |
3 | KeyBank National AssociationBank | Exceptional | Exceptional | Strong | Sound | Exceptional | $1,142Fees | 0.035%Above | 565 | |
4 | HOMESTEAD FUNDING CORP.Independent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Strong | $1,947Fees | 0.209%Above | 217 | |
5 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,299Fees | 0.271%Above | 1,451 | |
6 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $2,343Fees | 1.291%Above | 36 | |
7 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,919Fees | 0.635%Above | 977 | |
8 | 1ST PRIORITY MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $2,005Fees | 0.279%Above | 439 | |
9 | Northwest BankBank | Strong | Exceptional | Acceptable | Acceptable | Exceptional | $1,101Fees | 0.082%Above | 220 | |
10 | Citizens Bank, National AssociationBank | Strong | Strong | Strong | Sound | Strong | $1,507Fees | 0.157%Above | 209 | |
11 | Five Star BankBank | Strong | Strong | Sound | Sound | Exceptional | $1,471Fees | 0.236%Above | 188 | |
12 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $3,867Fees | 0.556%Above | 82 | |
13 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Strong | Exceptional | Sound | Sound | $1,873Fees | 0.303%Above | 46 | |
14 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,910Fees | 0.388%Above | 57 | |
15 | HUNT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $3,541Fees | 0.407%Above | 466 | |
16 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,530Fees | 0.514%Above | 139 | |
17 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,625Fees | 0.407%Above | 106 | |
18 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Sound | $2,549Fees | 0.561%Above | 60 | |
19 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $2,731Fees | 0.707%Above | 39 | |
20 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $2,549Fees | 0.454%Above | 514 | |
21 | EVERETT FINANCIAL, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $3,755Fees | 0.725%Above | 137 | |
22 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $918Fees | 0.404%Above | 59 | |
23 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,103Fees | 0.473%Above | 28 | |
24 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,684Fees | 0.862%Above | 122 | |
25 | ROYAL UNITED MORTGAGE LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Sound | Sound | $2,895Fees | 1.356%Above | 39 |
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.