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 | The Huntington National BankBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $609Fees | 0.477%Above | 601 | |
2 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,737Fees | 0.156%Above | 82 | |
3 | First Commonwealth BankBank | Exceptional | Strong | Strong | Strong | Strong | $844Fees | 0.255%Above | 73 | |
4 | Fifth Third Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $1,115Fees | 0.465%Above | 61 | |
5 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $3,558Fees | 0.590%Above | 23 | |
6 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $492Fees | 0.426%Above | 12 | |
7 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,241Fees | 0.534%Above | 494 | |
8 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,725Fees | 0.497%Above | 220 | |
9 | Citizens Bank, National AssociationBank | Strong | Strong | Strong | Sound | Strong | $1,124Fees | 0.271%Above | 71 | |
10 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Strong | Exceptional | Sound | Sound | $1,343Fees | 0.097%Above | 20 | |
11 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,093Fees | 0.915%Above | 74 | |
12 | Nations Lending CorporationIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,293Fees | 0.630%Above | 69 | |
13 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,333Fees | 0.784%Above | 51 | |
14 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $1,663Fees | 0.256%Above | 46 | |
15 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,414Fees | 0.697%Above | 33 | |
16 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Sound | $2,691Fees | 0.787%Above | 29 | |
17 | MYCUMORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | Sound | $1,081Fees | 0.883%Above | 25 | |
18 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,035Fees | 0.376%Above | 103 | |
19 | HOWARD HANNA FINANCIAL SERVICES, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Sound | $2,326Fees | 0.466%Above | 30 | |
20 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,811Fees | 0.838%Above | 680 | |
21 | POLARIS HOME FUNDING CORP.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,764Fees | 0.777%Above | 133 | |
22 | GVC MORTGAGE, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $2,518Fees | 0.754%Above | 116 | |
23 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $2,527Fees | 0.741%Above | 49 | |
24 | Synergy One Lending, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,389Fees | 0.420%Above | 37 | |
25 | RUOFF MORTGAGE COMPANY, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,409Fees | 0.498%Above | 35 | |
26 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,379Fees | 0.578%Above | 17 | |
27 | AMERISAVE MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $4,322Fees | 1.184%Above | 11 | |
28 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $4,497Fees | 0.438%Above | 29 | |
29 | Ixonia BankBank | Sound | Mediocre | Exceptional | Strong | Sound | $2,479Fees | 1.185%Above | 15 | |
30 | GENEVA FINANCIAL, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Exceptional | Acceptable | $3,918Fees | 0.809%Above | 10 | |
31 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Sound | $3,137Fees | 1.212%Above | 19 | |
32 | LIBERTY HOME MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Strong | Sound | Sound | $3,965Fees | 0.899%Above | 30 |
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.