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 | $3,289Fees | 0.019%Below | 284 | |
2 | MORTGAGE INVESTORS GROUP, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $3,118Fees | 0.145%Above | 233 | |
3 | FirstBankBank | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,991Fees | 0.241%Above | 351 | |
4 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $464Fees | 0.456%Below | 64 | |
5 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,689Fees | 0.245%Above | 572 | |
6 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,448Fees | 0.380%Above | 397 | |
7 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,428Fees | 0.346%Above | 191 | |
8 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $3,183Fees | 0.473%Above | 85 | |
9 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $4,590Fees | 0.418%Above | 78 | |
10 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,512Fees | 0.094%Below | 69 | |
11 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $4,225Fees | 0.376%Above | 63 | |
12 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,203Fees | 0.345%Above | 707 | |
13 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,277Fees | 0.476%Above | 154 | |
14 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,663Fees | 0.285%Above | 49 | |
15 | USAA Federal Savings BankBank | Strong | Strong | Exceptional | Sound | Sound | $1,598Fees | 0.009%Above | 27 | |
16 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,042Fees | 0.457%Above | 374 | |
17 | First Citizens National BankBank | Strong | Strong | Sound | Sound | Strong | $1,226Fees | 0.102%Below | 29 | |
18 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,692Fees | 0.397%Above | 148 | |
19 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,053Fees | 0.351%Above | 66 | |
20 | COMMUNITY MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | Strong | $2,178Fees | 0.187%Above | 62 | |
21 | SUMMIT FUNDING, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $5,200Fees | 0.867%Above | 230 | |
22 | ALAMEDA MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Strong | Exceptional | Exceptional | $2,610Fees | 0.549%Above | 141 | |
23 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,531Fees | 0.623%Above | 47 | |
24 | STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,823Fees | 0.457%Above | 35 | |
25 | TENNESSEE VALLEY FCUCredit Union | Strong | Acceptable | Acceptable | Strong | Exceptional | $3,328Fees | 0.205%Above | 321 | |
26 | LEADERONE FINANCIAL CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,356Fees | 0.650%Above | 100 | |
27 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $3,450Fees | 0.572%Above | 120 | |
28 | NEW DAY FINANCIAL, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Sound | $7,232Fees | 1.754%Above | 16 |
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.