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 | $2,452Fees | 0.354%Above | 1,043 | |
2 | Fifth Third Bank, National AssociationBank | Exceptional | Exceptional | Strong | Strong | Exceptional | $641Fees | 0.342%Above | 683 | |
3 | The Huntington National BankBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $564Fees | 0.433%Above | 1,731 | |
4 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $571Fees | 0.297%Below | 197 | |
5 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Exceptional | $2,020Fees | 0.178%Above | 597 | |
6 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,187Fees | 0.264%Above | 349 | |
7 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,024Fees | 0.402%Above | 233 | |
8 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,470Fees | 0.587%Above | 210 | |
9 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,742Fees | 0.106%Above | 135 | |
10 | First National Bank of PennsylvaniaBank | Exceptional | Strong | Strong | Strong | Strong | $1,094Fees | 0.122%Above | 314 | |
11 | USAA Federal Savings BankBank | Exceptional | Strong | Exceptional | Sound | Strong | $1,441Fees | 0.102%Below | 78 | |
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 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,613Fees | 0.437%Above | 193 | |
15 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,745Fees | 0.505%Above | 156 | |
16 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $2,157Fees | 0.599%Above | 124 | |
17 | FIRST EQUITY MORTGAGE INCORPORATEDIndependent Mortgage Company | Strong | Strong | Strong | Sound | Strong | $1,071Fees | 0.010%Above | 122 | |
18 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,758Fees | 0.603%Above | 113 | |
19 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | Sound | $3,070Fees | 0.595%Above | 85 | |
20 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,101Fees | 0.669%Above | 2,944 | |
21 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,404Fees | 0.694%Above | 528 | |
22 | RUOFF MORTGAGE COMPANY, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,246Fees | 0.361%Above | 469 | |
23 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,814Fees | 0.322%Above | 230 | |
24 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,530Fees | 0.741%Above | 141 | |
25 | Synergy One Lending, Inc.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $3,520Fees | 0.540%Above | 472 | |
26 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,425Fees | 0.628%Above | 433 | |
27 | NORTHERN MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | Strong | $2,011Fees | 0.566%Above | 194 | |
28 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,777Fees | 0.611%Above | 131 | |
29 | Nations Lending CorporationIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $3,165Fees | 0.417%Above | 189 | |
30 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,880Fees | 0.811%Above | 131 | |
31 | Ixonia BankBank | Strong | Mediocre | Exceptional | Strong | Strong | $3,362Fees | 0.809%Above | 89 | |
32 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $3,283Fees | 0.662%Above | 51 | |
33 | LIBERTY HOME MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Strong | Sound | Exceptional | $3,268Fees | 0.813%Above | 304 | |
34 | YOUR HOME FINANCIAL LLCIndependent Mortgage Company | Sound | Acceptable | Sound | Sound | Strong | $3,077Fees | 0.443%Above | 158 | |
35 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $2,750Fees | 0.787%Above | 118 | |
36 | NEW DAY FINANCIAL, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Sound | $4,265Fees | 1.413%Above | 57 |
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.