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 | $1,996Fees | 0.008%Below | 201 | |
2 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,100Fees | 0.251%Above | 77 | |
3 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $914Fees | 0.619%Below | 65 | |
4 | Synovus BankBank | Exceptional | Strong | Strong | Strong | Exceptional | $2,375Fees | 0.155%Above | 206 | |
5 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,016Fees | 0.287%Above | 190 | |
6 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,798Fees | 0.241%Above | 134 | |
7 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,720Fees | 0.367%Above | 69 | |
8 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,594Fees | 0.264%Above | 45 | |
9 | INTERLINC MORTGAGE SERVICES, LLCIndependent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Sound | $2,816Fees | 0.461%Above | 19 | |
10 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,232Fees | 0.352%Above | 76 | |
11 | Renasant BankBank | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,996Fees | 0.306%Above | 41 | |
12 | USAA Federal Savings BankBank | Exceptional | Strong | Exceptional | Sound | Strong | $1,390Fees | 0.146%Below | 41 | |
13 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $2,083Fees | 0.331%Below | 34 | |
14 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,672Fees | 0.442%Above | 265 | |
15 | Trustmark National BankBank | Strong | Sound | Exceptional | Exceptional | Sound | $2,052Fees | 0.099%Below | 23 | |
16 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | Sound | $3,208Fees | 0.486%Above | 19 | |
17 | PENTAGON FEDERAL CREDIT UNIONCredit Union | Strong | Strong | Exceptional | Sound | Sound | $2,907Fees | 0.145%Below | 10 | |
18 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,091Fees | 0.909%Above | 256 | |
19 | Northpointe BankBank | Strong | Sound | Strong | Strong | Strong | $2,190Fees | 0.108%Above | 84 | |
20 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,046Fees | 0.589%Above | 57 | |
21 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,944Fees | 0.361%Above | 28 | |
22 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,829Fees | 0.535%Above | 20 | |
23 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $4,363Fees | 0.306%Above | 13 | |
24 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,893Fees | 0.550%Above | 119 | |
25 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,142Fees | 0.214%Above | 77 | |
26 | CANOPY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,311Fees | 0.288%Above | 312 | |
27 | RUOFF MORTGAGE COMPANY, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,701Fees | 0.258%Above | 35 | |
28 | MORTGAGE SOLUTIONS OF COLORADO, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $903Fees | 1.004%Above | 18 | |
29 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $4,491Fees | 0.381%Above | 18 | |
30 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $2,289Fees | 0.518%Above | 80 | |
31 | NEW DAY FINANCIAL, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Sound | $5,320Fees | 0.957%Above | 35 | |
32 | The Federal Savings BankBank | Sound | Mediocre | Exceptional | Sound | Acceptable | $3,729Fees | 0.040%Above | 10 |
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.