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 | Strong | Exceptional | Exceptional | Strong | $2,737Fees | 0.156%Above | 82 | |
3 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,035Fees | 0.376%Above | 103 | |
4 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Sound | $696Fees | 0.597%Below | 23 | |
5 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $3,558Fees | 0.590%Above | 23 | |
6 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $1,343Fees | 0.097%Above | 20 | |
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 | USAA Federal Savings BankBank | Strong | Strong | Exceptional | Sound | Sound | $1,213Fees | 0.028%Above | 14 | |
10 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,811Fees | 0.838%Above | 680 | |
11 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,414Fees | 0.697%Above | 33 | |
12 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,093Fees | 0.915%Above | 74 | |
13 | Nations Lending CorporationIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $2,293Fees | 0.630%Above | 69 | |
14 | POLARIS HOME FUNDING CORP.Independent Mortgage Company | Strong | Mediocre | Strong | Strong | Exceptional | $3,764Fees | 0.777%Above | 133 | |
15 | NEW DAY FINANCIAL, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Sound | $3,646Fees | 0.944%Above | 20 | |
16 | The Federal Savings BankBank | Sound | Mediocre | Exceptional | Sound | Acceptable | $3,821Fees | 0.538%Above | 10 |
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.