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 | $2,938Fees | 0.354%Below | 370 | |
2 | ALTRA Federal Credit UnionCredit Union | Exceptional | Exceptional | Strong | Exceptional | Strong | $1,586Fees | 0.235%Above | 82 | |
3 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,932Fees | 0.036%Above | 474 | |
4 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,224Fees | 0.582%Below | 154 | |
5 | NBKC BANKBank | Exceptional | Exceptional | Exceptional | Strong | Sound | $2,915Fees | 0.842%Below | 12 | |
6 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $3,413Fees | 0.066%Above | 129 | |
7 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $3,008Fees | 0.425%Below | 120 | |
8 | GERSHMAN INVESTMENT CORP.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,086Fees | 0.057%Below | 92 | |
9 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,873Fees | 0.181%Above | 77 | |
10 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,143Fees | 0.292%Above | 101 | |
11 | SWBC MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,130Fees | 0.085%Above | 66 | |
12 | USAA Federal Savings BankBank | Exceptional | Strong | Exceptional | Sound | Strong | $2,596Fees | 0.291%Below | 54 | |
13 | PENTAGON FEDERAL CREDIT UNIONCredit Union | Exceptional | Strong | Exceptional | Sound | Strong | $2,652Fees | 0.213%Below | 47 | |
14 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $1,346Fees | 0.478%Above | 23 | |
15 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,432Fees | 0.295%Above | 367 | |
16 | Legends BankBank | Strong | Sound | Strong | Strong | Exceptional | $3,154Fees | 0.159%Below | 156 | |
17 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $2,452Fees | 0.236%Above | 101 | |
18 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,822Fees | 0.142%Below | 65 | |
19 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | Sound | $2,779Fees | 0.131%Above | 43 | |
20 | United Community BankBank | Strong | Strong | Strong | Strong | Sound | $1,600Fees | 0.239%Above | 18 | |
21 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,272Fees | 0.468%Above | 874 | |
22 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,456Fees | 0.057%Above | 138 | |
23 | Legacy Home Loans, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $3,577Fees | 0.011%Above | 99 | |
24 | Fortera Federal Credit UnionCredit Union | Strong | Sound | Strong | Sound | Exceptional | $1,363Fees | 0.135%Above | 96 | |
25 | First Federal BankBank | Strong | Strong | Sound | Sound | Strong | $768Fees | 0.170%Above | 53 | |
26 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,670Fees | 0.026%Below | 32 | |
27 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $3,080Fees | 0.351%Above | 31 | |
28 | INTERCOASTAL MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | Sound | $3,802Fees | 0.136%Below | 21 | |
29 | STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,018Fees | 0.330%Above | 152 | |
30 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,459Fees | 0.483%Above | 104 | |
31 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $4,259Fees | 0.301%Above | 19 | |
32 | LoanUnited.com, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Sound | $3,551Fees | 0.265%Below | 15 | |
33 | SOUTHWEST FUNDING, LPIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $2,446Fees | 0.582%Above | 76 | |
34 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,620Fees | 0.201%Above | 48 | |
35 | Regions BankBank | Strong | Sound | Strong | Sound | Sound | $1,914Fees | 0.504%Above | 39 | |
36 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $4,141Fees | 0.529%Above | 36 | |
37 | COMMUNITY MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | Sound | $2,908Fees | 0.000%Above | 29 | |
38 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,243Fees | 0.157%Above | 29 | |
39 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,673Fees | 0.366%Above | 27 | |
40 | Magnolia Bank, IncorporatedBank | Strong | Acceptable | Exceptional | Strong | Sound | $2,932Fees | 0.053%Above | 22 | |
41 | MORTGAGE SOLUTIONS OF COLORADO, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $1,841Fees | 0.495%Above | 22 | |
42 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,158Fees | 0.543%Above | 17 | |
43 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $4,524Fees | 0.104%Above | 42 | |
44 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $4,534Fees | 1.013%Above | 20 | |
45 | Nations Lending CorporationIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Sound | $328Fees | 0.250%Above | 19 | |
46 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $3,867Fees | 0.383%Above | 124 | |
47 | VAN DYK MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $1,946Fees | 0.295%Above | 49 | |
48 | AMERISAVE MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Acceptable | Strong | Sound | Sound | $2,167Fees | 1.540%Above | 20 | |
49 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $4,917Fees | 0.567%Above | 14 | |
50 | NEW DAY FINANCIAL, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Sound | $5,836Fees | 1.490%Above | 34 |
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.