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 | Strong | Strong | Exceptional | Exceptional | $927Fees | 0.057%Below | 331 | |
3 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,464Fees | 0.104%Above | 64 | |
4 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Sound | $45Fees | 0.469%Below | 19 | |
5 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $1,550Fees | 1.082%Above | 21 | |
6 | American Bank and Trust Company, National AssociationBank | Strong | Strong | Acceptable | Strong | Exceptional | $1,199Fees | 0.021%Above | 116 | |
7 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,564Fees | 0.307%Above | 51 | |
8 | USAA Federal Savings BankBank | Strong | Strong | Exceptional | Sound | Sound | $860Fees | 0.049%Below | 18 | |
9 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,525Fees | 0.655%Above | 264 | |
10 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,210Fees | 0.551%Above | 204 | |
11 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,926Fees | 0.790%Above | 100 | |
12 | Flanagan State BankBank | Strong | Sound | Strong | Strong | Strong | $1,873Fees | 0.505%Above | 40 | |
13 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $1,697Fees | 0.701%Above | 27 | |
14 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,608Fees | 0.773%Above | 122 | |
15 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,540Fees | 0.698%Above | 95 | |
16 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Sound | Exceptional | $3,548Fees | 0.533%Above | 307 | |
17 | CALCON MUTUAL MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Sound | $2,221Fees | 0.741%Above | 38 | |
18 | NEW DAY FINANCIAL, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Sound | $2,525Fees | 1.128%Above | 12 |
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.