Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Leader Bank, National AssociationBank | Exceptional | Exceptional | Strong | Strong | Exceptional | $876Fees | 0.132%Below | 1,491 | |
2 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,524Fees | 0.328%Above | 853 | |
3 | SALEM FIVE MORTGAGE COMPANY, LLCIndependent Mortgage Company | Exceptional | Strong | Strong | Strong | Exceptional | $1,818Fees | 0.042%Above | 665 | |
4 | Manufacturers and Traders Trust CompanyBank | Exceptional | Strong | Exceptional | Strong | Strong | $43Credit | 0.116%Below | 302 | |
5 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,577Fees | 0.110%Above | 133 | |
6 | AMERANT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Strong | Strong | Strong | $1,079Fees | 0.158%Above | 126 | |
7 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $1,796Fees | 0.026%Above | 109 | |
8 | Fall River Five Cents Savings BankBank | Exceptional | Strong | Strong | Strong | Strong | $2,466Fees | 0.013%Below | 92 | |
9 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,767Fees | 0.143%Above | 1,004 | |
10 | Citizens Bank, National AssociationBank | Strong | Strong | Strong | Sound | Strong | $982Fees | 0.034%Below | 264 | |
11 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,909Fees | 0.285%Above | 182 | |
12 | NATIONS DIRECT MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $84Credit | 0.045%Above | 135 | |
13 | EMM LOANS LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,672Fees | 0.442%Above | 118 | |
14 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,571Fees | 0.056%Above | 1,876 | |
15 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,287Fees | 0.152%Above | 614 | |
16 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,460Fees | 0.193%Above | 425 | |
17 | Rockland Trust CompanyBank | Strong | Strong | Sound | Sound | Strong | $1,335Fees | 0.213%Below | 199 | |
18 | HARBORONE MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $1,540Fees | 0.036%Below | 162 | |
19 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $1,475Fees | 0.403%Above | 146 | |
20 | NORTHPOINT MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $2,855Fees | 0.256%Above | 63 | |
21 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,442Fees | 0.192%Above | 447 | |
22 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,543Fees | 0.311%Above | 334 | |
23 | NEW FED MORTGAGE, CORP.Independent Mortgage Company | Strong | Acceptable | Strong | Exceptional | Strong | $2,304Fees | 0.331%Above | 217 | |
24 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,327Fees | 0.108%Above | 212 | |
25 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,656Fees | 0.015%Above | 90 | |
26 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,942Fees | 0.446%Above | 74 | |
27 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,201Fees | 0.521%Above | 41 | |
28 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $2,434Fees | 0.293%Above | 1,399 | |
29 | TOTAL MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $3,858Fees | 0.438%Above | 224 | |
30 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $411Fees | 0.198%Below | 125 | |
31 | Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,951Fees | 0.260%Above | 49 | |
32 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,502Fees | 0.527%Above | 42 | |
33 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,847Fees | 0.653%Above | 185 | |
34 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,871Fees | 0.142%Above | 101 | |
35 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $1,642Fees | 0.343%Above | 178 | |
36 | MORTGAGE EQUITY PARTNERS LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $3,575Fees | 0.410%Above | 169 | |
37 | RADIUS FINANCIAL GROUP INC.Independent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $2,746Fees | 0.406%Above | 92 | |
38 | DREW MORTGAGE ASSOCIATES, INC.Independent Mortgage Company | Sound | Mediocre | Sound | Strong | Strong | $2,680Fees | 0.262%Above | 53 |
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.