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 | $2,981Fees | 0.215%Below | 2,239 | |
2 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,062Fees | 0.626%Below | 171 | |
3 | PRIORITY HOME MORTGAGE, L.P.Independent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Strong | $1,611Fees | 1.075%Below | 52 | |
4 | NBKC BANKBank | Exceptional | Exceptional | Exceptional | Strong | Sound | $943Fees | 0.587%Below | 33 | |
5 | ENT Credit UnionCredit Union | Exceptional | Strong | Strong | Strong | Exceptional | $1,819Fees | 0.231%Below | 928 | |
6 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,698Fees | 0.217%Below | 302 | |
7 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,648Fees | 0.274%Below | 249 | |
8 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,463Fees | 0.370%Below | 191 | |
9 | The Huntington National BankBank | Exceptional | Strong | Exceptional | Strong | Strong | $2,011Fees | 0.111%Above | 75 | |
10 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,074Fees | 0.032%Above | 71 | |
11 | CORNERSTONE CAPITAL BANK, SSBBank | Exceptional | Strong | Exceptional | Exceptional | Sound | $6,495Fees | 0.045%Above | 50 | |
12 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,921Fees | 0.068%Above | 132 | |
13 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,012Fees | 0.288%Above | 104 | |
14 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,921Fees | 0.250%Below | 99 | |
15 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $1,710Fees | 0.084%Above | 94 | |
16 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $1,535Credit | 0.635%Above | 41 | |
17 | KIND LENDING, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $3,282Fees | 0.198%Above | 35 | |
18 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,247Fees | 0.066%Above | 686 | |
19 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,095Fees | 0.139%Above | 173 | |
20 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,654Fees | 0.032%Above | 167 | |
21 | NEST HOME LENDING, LLCIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | Strong | $3,981Fees | 0.353%Below | 128 | |
22 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,004Fees | 0.148%Above | 97 | |
23 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,091Fees | 0.509%Above | 85 | |
24 | Plains Commerce BankBank | Strong | Sound | Exceptional | Strong | Strong | $3,522Fees | 0.107%Below | 75 | |
25 | USAA Federal Savings BankBank | Strong | Strong | Exceptional | Sound | Sound | $2,410Fees | 0.268%Below | 65 | |
26 | INTERCAP LENDING INC.Independent Mortgage Company | Strong | Sound | Exceptional | Exceptional | Sound | $3,059Fees | 0.374%Above | 36 | |
27 | TOWNE MORTGAGE COMPANYIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | Sound | $2,769Fees | 0.132%Above | 35 | |
28 | SWBC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | Sound | $2,830Fees | 0.109%Above | 31 | |
29 | The Central Trust BankBank | Strong | Sound | Strong | Strong | Strong | $2,188Fees | 0.014%Below | 264 | |
30 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,133Fees | 0.045%Above | 254 | |
31 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,392Fees | 0.305%Above | 243 | |
32 | NBH BankBank | Strong | Sound | Strong | Strong | Strong | $2,280Fees | 0.083%Above | 164 | |
33 | FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,106Fees | 0.041%Below | 125 | |
34 | HUNT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $3,249Fees | 0.305%Below | 65 | |
35 | American Liberty Mortgage, IncorporatedIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $4,078Fees | 0.210%Above | 43 | |
36 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $1,018Fees | 0.094%Below | 36 | |
37 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Sound | $3,212Fees | 0.109%Above | 36 | |
38 | PLANET HOME LENDING, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,233Fees | 0.319%Below | 35 | |
39 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,175Fees | 0.036%Above | 399 | |
40 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,173Fees | 0.073%Above | 302 | |
41 | MORTGAGE SOLUTIONS OF COLORADO, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,094Fees | 0.229%Below | 234 | |
42 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,484Fees | 0.337%Above | 164 | |
43 | V.I.P. MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,545Fees | 0.232%Above | 152 | |
44 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,371Fees | 0.063%Above | 135 | |
45 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,303Fees | 0.127%Above | 111 | |
46 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,672Fees | 0.026%Above | 83 | |
47 | Northpointe BankBank | Strong | Sound | Strong | Strong | Sound | $3,289Fees | 0.155%Above | 41 | |
48 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,176Fees | 0.098%Above | 60 | |
49 | GROUP MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $5,978Fees | 0.014%Below | 47 | |
50 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,641Fees | 0.194%Above | 28 |
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.