Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Union Savings BankBank | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $1,029Fees | 0.164%Above | 1,185 | |
2 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,474Fees | 0.297%Above | 2,016 | |
3 | Fifth Third Bank, National AssociationBank | Exceptional | Exceptional | Strong | Strong | Exceptional | $297Fees | 0.257%Above | 808 | |
4 | The Huntington National BankBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $245Credit | 0.321%Above | 1,145 | |
5 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,390Fees | 0.237%Above | 858 | |
6 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,107Fees | 0.239%Above | 604 | |
7 | LCNB National BankBank | Exceptional | Exceptional | Sound | Strong | Exceptional | $791Fees | 0.084%Above | 556 | |
8 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,531Fees | 0.457%Above | 396 | |
9 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $642Fees | 0.524%Below | 148 | |
10 | VICTORY MORTGAGE, L.L.C.Independent Mortgage Company | Exceptional | Strong | Strong | Strong | Exceptional | $708Fees | 0.053%Below | 973 | |
11 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Exceptional | $1,625Fees | 0.169%Above | 448 | |
12 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,764Fees | 0.518%Above | 264 | |
13 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,552Fees | 0.375%Above | 232 | |
14 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,354Fees | 0.084%Above | 155 | |
15 | FIRST EQUITY MORTGAGE INCORPORATEDIndependent Mortgage Company | Exceptional | Strong | Strong | Sound | Exceptional | $859Fees | 0.281%Above | 429 | |
16 | RiverHills BankBank | Exceptional | Strong | Sound | Strong | Exceptional | $1,400Fees | 0.270%Above | 248 | |
17 | M/I FINANCIAL, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,823Fees | 0.063%Below | 225 | |
18 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,917Fees | 0.481%Above | 221 | |
19 | USAA Federal Savings BankBank | Exceptional | Strong | Exceptional | Sound | Strong | $1,495Fees | 0.143%Below | 92 | |
20 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,810Fees | 0.380%Above | 1,980 | |
21 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,118Fees | 0.477%Above | 687 | |
22 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,231Fees | 0.618%Above | 488 | |
23 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,169Fees | 0.650%Above | 368 | |
24 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,025Fees | 0.392%Above | 343 | |
25 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $4,484Fees | 0.688%Above | 241 | |
26 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,185Fees | 0.404%Above | 202 | |
27 | Plains Commerce BankBank | Strong | Sound | Exceptional | Strong | Strong | $1,987Fees | 0.523%Above | 172 | |
28 | SIBCY CLINE MORTGAGE SERVICES, INC.Independent Mortgage Company | Strong | Strong | Sound | Sound | Exceptional | $1,521Fees | 0.207%Above | 161 | |
29 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,184Fees | 0.211%Above | 76 | |
30 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Exceptional | Sound | $1,108Fees | 0.432%Above | 62 | |
31 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,830Fees | 0.661%Above | 882 | |
32 | Guardian Savings BankBank | Strong | Sound | Sound | Strong | Exceptional | $1,159Fees | 0.160%Above | 765 | |
33 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,543Fees | 0.601%Above | 625 | |
34 | STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,865Fees | 0.419%Above | 616 | |
35 | RUOFF MORTGAGE COMPANY, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,642Fees | 0.357%Above | 373 | |
36 | DAS Acquisition Company, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,016Fees | 0.652%Above | 326 | |
37 | 3RD STREET FINANCIAL CORP.Independent Mortgage Company | Strong | Strong | Sound | Sound | Strong | $935Fees | 0.332%Above | 114 | |
38 | RMC HOME MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $3,062Fees | 0.563%Above | 67 | |
39 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,369Fees | 0.529%Above | 360 | |
40 | NATIONS RELIABLE LENDING, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $3,112Fees | 0.517%Above | 287 | |
41 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,303Fees | 0.529%Above | 270 | |
42 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,319Fees | 0.307%Above | 197 | |
43 | GoodLeap, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $3,083Fees | 0.032%Above | 67 | |
44 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $4,121Fees | 0.755%Above | 115 | |
45 | Synergy One Lending, Inc.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $2,952Fees | 0.534%Above | 97 | |
46 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,413Fees | 0.795%Above | 315 | |
47 | BAYSHORE MORTGAGE FUNDING, LLCIndependent Mortgage Company | Strong | Mediocre | Strong | Strong | Exceptional | $2,959Fees | 0.599%Above | 279 | |
48 | RAPID MORTGAGE COMPANYIndependent Mortgage Company | Strong | Mediocre | Strong | Strong | Exceptional | $4,025Fees | 0.587%Above | 233 | |
49 | AMERISAVE MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $3,873Fees | 0.918%Above | 73 | |
50 | SUCCESS MORTGAGE PARTNERS, INC.Independent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $4,519Fees | 0.555%Above | 117 |
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.