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 | $3,299Fees | 0.271%Above | 1,451 | |
2 | KeyBank National AssociationBank | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,142Fees | 0.035%Above | 565 | |
3 | PREMIUM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,201Fees | 0.250%Above | 1,327 | |
4 | HOMESTEAD FUNDING CORP.Independent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Strong | $1,947Fees | 0.209%Above | 217 | |
5 | Northwest BankBank | Exceptional | Strong | Strong | Strong | Exceptional | $1,101Fees | 0.082%Above | 220 | |
6 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Sound | $650Fees | 0.388%Below | 69 | |
7 | Manufacturers and Traders Trust CompanyBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $784Fees | 0.143%Above | 1,054 | |
8 | 1ST PRIORITY MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Strong | Exceptional | Exceptional | $2,005Fees | 0.279%Above | 439 | |
9 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,530Fees | 0.514%Above | 139 | |
10 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $918Fees | 0.404%Above | 59 | |
11 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $2,343Fees | 1.291%Above | 36 | |
12 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,919Fees | 0.635%Above | 977 | |
13 | HUNT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $3,541Fees | 0.407%Above | 466 | |
14 | Citizens Bank, National AssociationBank | Strong | Strong | Strong | Sound | Strong | $1,507Fees | 0.157%Above | 209 | |
15 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,625Fees | 0.407%Above | 106 | |
16 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $3,867Fees | 0.556%Above | 82 | |
17 | USAA Federal Savings BankBank | Strong | Strong | Exceptional | Sound | Sound | $1,711Fees | 0.080%Above | 33 | |
18 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,549Fees | 0.454%Above | 514 | |
19 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,910Fees | 0.388%Above | 57 | |
20 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,684Fees | 0.862%Above | 122 | |
21 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,334Fees | 0.750%Above | 91 | |
22 | EVERETT FINANCIAL, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,755Fees | 0.725%Above | 137 |
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.