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 | $3,094Fees | 0.315%Above | 2,211 | |
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 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $516Fees | 0.460%Below | 324 | |
5 | NBKC BANKBank | Exceptional | Exceptional | Exceptional | Strong | Sound | $895Fees | 0.151%Below | 74 | |
6 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,457Fees | 0.216%Above | 889 | |
7 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Exceptional | $2,456Fees | 0.139%Above | 736 | |
8 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,217Fees | 0.464%Above | 734 | |
9 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,988Fees | 0.313%Above | 640 | |
10 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,360Fees | 0.208%Above | 460 | |
11 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,904Fees | 0.265%Above | 297 | |
12 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,455Fees | 0.528%Above | 274 | |
13 | KIND LENDING, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,489Fees | 0.481%Above | 195 | |
14 | First Federal BankBank | Exceptional | Exceptional | Exceptional | Sound | Sound | $1,483Fees | 0.364%Above | 75 | |
15 | FIRST WORLD MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Sound | Strong | Exceptional | Exceptional | $2,566Fees | 0.287%Above | 1,179 | |
16 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,833Fees | 0.388%Above | 328 | |
17 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,804Fees | 0.401%Above | 164 | |
18 | USAA Federal Savings BankBank | Exceptional | Strong | Exceptional | Sound | Strong | $1,997Fees | 0.184%Below | 101 | |
19 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,218Fees | 0.365%Above | 2,533 | |
20 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,222Fees | 0.361%Above | 914 | |
21 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,916Fees | 0.486%Above | 527 | |
22 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,330Fees | 0.410%Above | 504 | |
23 | NORWICH COMMERCIAL GROUP, INC.Independent Mortgage Company | Strong | Strong | Strong | Sound | Strong | $1,849Fees | 0.383%Above | 374 | |
24 | Citizens Bank, National AssociationBank | Strong | Strong | Strong | Sound | Strong | $1,317Fees | 0.021%Above | 365 | |
25 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,732Fees | 0.397%Above | 349 | |
26 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,639Fees | 0.475%Above | 263 | |
27 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,616Fees | 0.160%Above | 164 | |
28 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,843Fees | 0.463%Above | 920 | |
29 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,031Fees | 0.526%Above | 390 | |
30 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,264Fees | 0.507%Above | 287 | |
31 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Sound | $3,729Fees | 0.229%Above | 76 | |
32 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,234Fees | 0.488%Above | 460 | |
33 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,969Fees | 0.301%Above | 232 | |
34 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,403Fees | 0.354%Above | 189 | |
35 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,545Fees | 0.269%Above | 143 | |
36 | NATIONS DIRECT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,474Fees | 0.531%Above | 82 | |
37 | TOTAL MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Mediocre | Strong | Exceptional | Exceptional | $3,443Fees | 0.462%Above | 2,298 | |
38 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $5,109Fees | 0.738%Above | 157 | |
39 | CALCON MUTUAL MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $4,311Fees | 0.528%Above | 95 | |
40 | EMM LOANS LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,735Fees | 0.618%Above | 81 | |
41 | PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,471Fees | 0.606%Above | 208 | |
42 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $3,145Fees | 0.504%Above | 338 | |
43 | AMERISAVE MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Acceptable | Strong | Sound | Sound | $4,176Fees | 0.556%Above | 79 | |
44 | The Federal Savings BankBank | Sound | Mediocre | Exceptional | Sound | Sound | $5,309Fees | 0.567%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.