Safe Rate Rankings
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| 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 | $564Fees | 0.433%Above | 1,731 | |
2 | First National Bank of PennsylvaniaBank | Exceptional | Exceptional | Strong | Strong | Strong | $1,094Fees | 0.122%Above | 314 | |
3 | Union Savings BankBank | Exceptional | Exceptional | Strong | Strong | Strong | $748Fees | 0.255%Above | 117 | |
4 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,452Fees | 0.354%Above | 1,043 | |
5 | Fifth Third Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Exceptional | $641Fees | 0.342%Above | 683 | |
6 | First Federal Savings and Loan Association of LakewoodBank | Exceptional | Exceptional | Sound | Sound | Exceptional | $953Fees | 0.255%Above | 588 | |
7 | KeyBank National AssociationBank | Exceptional | Exceptional | Strong | Sound | Strong | $1,246Fees | 0.186%Above | 313 | |
8 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,470Fees | 0.587%Above | 210 | |
9 | Dollar Bank, Federal Savings BankBank | Exceptional | Strong | Strong | Sound | Exceptional | $850Fees | 0.287%Above | 256 | |
10 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $1,024Fees | 0.402%Above | 233 | |
11 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $1,742Fees | 0.106%Above | 135 | |
12 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,533Fees | 0.456%Above | 2,273 | |
13 | HOWARD HANNA FINANCIAL SERVICES, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $2,264Fees | 0.295%Above | 828 | |
14 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,404Fees | 0.694%Above | 528 | |
15 | Citizens Bank, National AssociationBank | Strong | Strong | Strong | Sound | Strong | $598Credit | 0.167%Above | 382 | |
16 | PNC Bank, National AssociationBank | Strong | Strong | Strong | Sound | Strong | $524Credit | 0.193%Above | 286 | |
17 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,745Fees | 0.505%Above | 156 | |
18 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $2,157Fees | 0.599%Above | 124 | |
19 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Sound | Exceptional | $2,020Fees | 0.178%Above | 597 | |
20 | Synergy One Lending, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,520Fees | 0.540%Above | 472 | |
21 | RUOFF MORTGAGE COMPANY, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,246Fees | 0.361%Above | 469 | |
22 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,814Fees | 0.322%Above | 230 | |
23 | NORTHERN MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $2,011Fees | 0.566%Above | 194 | |
24 | Nations Lending CorporationIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,165Fees | 0.417%Above | 189 | |
25 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,530Fees | 0.741%Above | 141 | |
26 | Premier BankBank | Strong | Strong | Sound | Sound | Strong | $1,348Fees | 0.505%Above | 138 | |
27 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $2,758Fees | 0.603%Above | 113 | |
28 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,187Fees | 0.264%Above | 349 | |
29 | UNION CAPITAL MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $2,839Fees | 0.254%Above | 246 | |
30 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,555Fees | 0.424%Above | 128 | |
31 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,472Fees | 0.613%Above | 86 | |
32 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,447Fees | 0.998%Above | 67 | |
33 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,101Fees | 0.669%Above | 2,944 | |
34 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $1,425Fees | 0.628%Above | 433 | |
35 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $2,613Fees | 0.437%Above | 193 | |
36 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $3,880Fees | 0.811%Above | 131 | |
37 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,070Fees | 0.595%Above | 85 | |
38 | ZILLOW HOME LOANS, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,367Fees | 0.721%Above | 59 | |
39 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,777Fees | 0.611%Above | 131 | |
40 | Ixonia BankBank | Strong | Mediocre | Exceptional | Strong | Strong | $3,362Fees | 0.809%Above | 89 | |
41 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $3,283Fees | 0.662%Above | 51 | |
42 | LIBERTY HOME MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Strong | Sound | Exceptional | $3,268Fees | 0.813%Above | 304 | |
43 | YOUR HOME FINANCIAL LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $3,077Fees | 0.443%Above | 158 | |
44 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $2,750Fees | 0.787%Above | 118 | |
45 | PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $2,810Fees | 0.732%Above | 70 | |
46 | Click n' Close, Inc.Independent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $6,089Fees | 1.650%Above | 66 | |
47 | POLARIS HOME FUNDING CORP.Independent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $4,329Fees | 0.720%Above | 49 | |
48 | ROYAL UNITED MORTGAGE LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Sound | Strong | $4,127Fees | 1.187%Above | 75 |
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.