Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Liberty BankBank | Exceptional | Exceptional | — | Strong | Exceptional | $18Credit | 0.152%Below | 682 | |
2 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,584Fees | 0.401%Above | 661 | |
3 | HOMESTEAD FUNDING CORP.Independent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Strong | $1,460Fees | 0.141%Above | 358 | |
4 | Thomaston Savings BankBank | Exceptional | Exceptional | Sound | Strong | Exceptional | $1,059Fees | 0.034%Above | 230 | |
5 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,094Fees | 0.315%Above | 2,211 | |
6 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Sound | Exceptional | $721Credit | 0.123%Below | 817 | |
7 | Manufacturers and Traders Trust CompanyBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,426Fees | 0.028%Above | 385 | |
8 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,455Fees | 0.528%Above | 274 | |
9 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,804Fees | 0.401%Above | 164 | |
10 | KeyBank National AssociationBank | Exceptional | Exceptional | Strong | Sound | Strong | $1,403Fees | 0.016%Below | 115 | |
11 | FIRST WORLD MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Sound | Strong | Exceptional | Exceptional | $2,566Fees | 0.287%Above | 1,179 | |
12 | Newtown Savings BankBank | Exceptional | Strong | — | Strong | Exceptional | $1,791Fees | 0.207%Below | 524 | |
13 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $1,904Fees | 0.265%Above | 297 | |
14 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,218Fees | 0.365%Above | 2,533 | |
15 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,222Fees | 0.361%Above | 914 | |
16 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,330Fees | 0.410%Above | 504 | |
17 | WILLIAM RAVEIS MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $2,342Fees | 0.184%Above | 481 | |
18 | Citizens Bank, National AssociationBank | Strong | Strong | Strong | Sound | Strong | $1,317Fees | 0.021%Above | 365 | |
19 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,489Fees | 0.481%Above | 195 | |
20 | WARSHAW CAPITAL, LLCIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | Strong | $2,591Fees | 0.338%Above | 95 | |
21 | NATIONS DIRECT MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,474Fees | 0.531%Above | 82 | |
22 | First Federal BankBank | Strong | Strong | Strong | Strong | Sound | $1,483Fees | 0.364%Above | 75 | |
23 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,457Fees | 0.216%Above | 889 | |
24 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Sound | Exceptional | $2,456Fees | 0.139%Above | 736 | |
25 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,217Fees | 0.464%Above | 734 | |
26 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $2,916Fees | 0.486%Above | 527 | |
27 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,031Fees | 0.526%Above | 390 | |
28 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,833Fees | 0.388%Above | 328 | |
29 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,403Fees | 0.354%Above | 189 | |
30 | NORTHPOINT MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $3,046Fees | 0.312%Above | 107 | |
31 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,903Fees | 0.563%Above | 100 | |
32 | EMM LOANS LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,735Fees | 0.618%Above | 81 | |
33 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Sound | $3,729Fees | 0.229%Above | 76 | |
34 | Evolve Bank & TrustBank | Strong | Sound | Strong | Strong | Strong | $2,449Fees | 0.369%Above | 72 | |
35 | TOTAL MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $3,443Fees | 0.462%Above | 2,298 | |
36 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,988Fees | 0.313%Above | 640 | |
37 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,360Fees | 0.208%Above | 460 | |
38 | NORWICH COMMERCIAL GROUP, INC.Independent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $1,849Fees | 0.383%Above | 374 | |
39 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,732Fees | 0.397%Above | 349 | |
40 | Wells Fargo Bank, National AssociationBank | Strong | Sound | Strong | Sound | Strong | $2,214Fees | 0.027%Above | 306 | |
41 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,639Fees | 0.475%Above | 263 | |
42 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,545Fees | 0.269%Above | 143 | |
43 | Magnolia Bank, IncorporatedBank | Strong | Sound | Strong | Strong | Sound | $4,844Fees | 0.576%Above | 76 | |
44 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $2,843Fees | 0.463%Above | 920 | |
45 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $2,234Fees | 0.488%Above | 460 | |
46 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $1,616Fees | 0.160%Above | 164 | |
47 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $5,109Fees | 0.738%Above | 157 | |
48 | PROVINCE MORTGAGE ASSOCIATES, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $2,328Fees | 0.373%Above | 124 | |
49 | EQUITY RESOURCES, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $2,843Fees | 0.299%Above | 99 | |
50 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,733Fees | 0.321%Above | 69 |
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.