Safe Rate Rankings
Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.
| 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 | $2,524Fees | 0.328%Above | 853 | |
2 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,571Fees | 0.056%Above | 1,876 | |
3 | Leader Bank, National AssociationBank | Exceptional | Strong | Strong | Exceptional | Exceptional | $876Fees | 0.132%Below | 1,491 | |
4 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $442Fees | 0.615%Below | 90 | |
5 | NBKC BANKBank | Exceptional | Exceptional | Exceptional | Strong | Sound | $322Fees | 0.183%Below | 58 | |
6 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,287Fees | 0.152%Above | 614 | |
7 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,577Fees | 0.110%Above | 133 | |
8 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,796Fees | 0.026%Above | 109 | |
9 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,543Fees | 0.311%Above | 334 | |
10 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,767Fees | 0.143%Above | 1,004 | |
11 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,909Fees | 0.285%Above | 182 | |
12 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,475Fees | 0.403%Above | 146 | |
13 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,434Fees | 0.293%Above | 1,399 | |
14 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,460Fees | 0.193%Above | 425 | |
15 | EMM LOANS LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,672Fees | 0.442%Above | 118 | |
16 | SALEM FIVE MORTGAGE COMPANY, LLCIndependent Mortgage Company | Strong | Acceptable | Sound | Strong | Exceptional | $1,818Fees | 0.042%Above | 665 | |
17 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $1,995Fees | 0.022%Above | 83 | |
18 | TOTAL MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Mediocre | Strong | Exceptional | Strong | $3,858Fees | 0.438%Above | 224 |
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.