Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | GREENSTATE Credit UnionCredit Union | Exceptional | Exceptional | Exceptional | Exceptional | Exceptional | $684Fees | 0.280%Below | 503 | |
2 | RUHL MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $927Fees | 0.057%Below | 331 | |
3 | American Bank and Trust Company, National AssociationBank | Exceptional | Strong | Sound | Strong | Exceptional | $1,199Fees | 0.021%Above | 116 | |
4 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,464Fees | 0.104%Above | 64 | |
5 | Old National BankBank | Exceptional | Exceptional | Strong | Sound | Sound | $1,073Fees | 0.042%Above | 33 | |
6 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $1,550Fees | 1.082%Above | 21 | |
7 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,224Fees | 0.843%Above | 69 | |
8 | MICHIGAN MUTUAL, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,144Fees | 0.287%Above | 44 | |
9 | First Federal BankBank | Strong | Strong | Strong | Strong | Sound | $1,955Fees | 0.411%Above | 37 | |
10 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Strong | Exceptional | Sound | Sound | $1,887Fees | 0.064%Above | 14 | |
11 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,525Fees | 0.655%Above | 264 | |
12 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,210Fees | 0.551%Above | 204 | |
13 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,926Fees | 0.790%Above | 100 | |
14 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $1,564Fees | 0.307%Above | 51 | |
15 | Fortress BankBank | Strong | Sound | Strong | Exceptional | Sound | $776Fees | 0.009%Above | 30 | |
16 | Plains Commerce BankBank | Strong | Sound | Exceptional | Strong | Sound | $1,292Fees | 0.709%Above | 18 | |
17 | PLANET HOME LENDING, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $1,065Fees | 0.595%Above | 14 | |
18 | Flanagan State BankBank | Strong | Acceptable | Strong | Strong | Strong | $1,873Fees | 0.505%Above | 40 | |
19 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $1,697Fees | 0.701%Above | 27 | |
20 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,270Fees | 0.464%Above | 27 | |
21 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $4,234Fees | 0.876%Above | 20 | |
22 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $1,086Fees | 0.506%Above | 13 | |
23 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Sound | Exceptional | $3,548Fees | 0.533%Above | 307 | |
24 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $2,608Fees | 0.773%Above | 122 | |
25 | AMERICAN FINANCIAL RESOURCES, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Acceptable | $3,220Fees | 1.399%Above | 10 | |
26 | CALCON MUTUAL MORTGAGE LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $2,221Fees | 0.741%Above | 38 | |
27 | SUCCESS MORTGAGE PARTNERS, INC.Independent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $4,664Fees | 1.048%Above | 23 | |
28 | AXIA FINANCIAL, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $2,981Fees | 0.857%Above | 22 |
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.