Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Union Savings BankBank | Exceptional | Exceptional | Strong | Strong | Exceptional | $872Fees | 0.140%Above | 965 | |
2 | The Huntington National BankBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $513Credit | 0.404%Above | 514 | |
3 | VICTORY MORTGAGE, L.L.C.Independent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Strong | $389Fees | 0.212%Below | 193 | |
4 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,276Fees | 0.132%Above | 87 | |
5 | WRIGHT-PATT CREDIT UNION, INC.Credit Union | Exceptional | Strong | Strong | Sound | Exceptional | $420Fees | 0.354%Below | 1,164 | |
6 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,162Fees | 0.214%Above | 376 | |
7 | Fifth Third Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $697Fees | 0.428%Above | 251 | |
8 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $842Fees | 0.332%Above | 159 | |
9 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $5,308Fees | 0.018%Below | 72 | |
10 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,634Fees | 0.525%Above | 707 | |
11 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,103Fees | 0.475%Above | 194 | |
12 | M/I FINANCIAL, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,350Fees | 0.182%Below | 126 | |
13 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Strong | Exceptional | Sound | Sound | $1,690Fees | 0.119%Below | 67 | |
14 | GoodLeap, LLCIndependent Mortgage Company | Strong | Strong | Exceptional | Sound | Sound | $4,516Fees | 0.160%Below | 28 | |
15 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,537Fees | 0.704%Above | 473 | |
16 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,463Fees | 0.500%Above | 345 | |
17 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,275Fees | 0.874%Above | 177 | |
18 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,469Fees | 0.486%Above | 150 | |
19 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,310Fees | 0.820%Above | 134 | |
20 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $1,374Fees | 0.570%Above | 106 | |
21 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Sound | $1,738Fees | 0.610%Above | 22 | |
22 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Sound | Strong | $2,134Fees | 0.328%Above | 198 | |
23 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,340Fees | 0.408%Above | 120 | |
24 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,116Fees | 0.412%Above | 78 | |
25 | RUOFF MORTGAGE COMPANY, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,710Fees | 0.327%Above | 74 | |
26 | First Financial BankBank | Strong | Sound | Strong | Sound | Strong | $1,601Fees | 0.577%Above | 72 | |
27 | HOWARD HANNA FINANCIAL SERVICES, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Sound | $2,455Fees | 0.568%Above | 51 | |
28 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,303Fees | 0.631%Above | 39 | |
29 | NORTHERN MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Sound | $1,418Fees | 0.524%Above | 29 | |
30 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,069Fees | 0.750%Above | 25 | |
31 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $976Fees | 0.779%Above | 367 | |
32 | DAS Acquisition Company, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $3,820Fees | 0.731%Above | 279 | |
33 | TJC Mortgage, Inc.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $3,416Fees | 0.680%Above | 51 | |
34 | VAN DYK MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,616Fees | 0.543%Above | 38 | |
35 | Gateway First BankBank | Strong | Acceptable | Exceptional | Strong | Sound | $2,453Fees | 0.484%Above | 35 | |
36 | ZILLOW HOME LOANS, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,687Fees | 0.585%Above | 27 | |
37 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,530Fees | 0.403%Above | 24 | |
38 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $2,490Fees | 0.698%Above | 300 | |
39 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $2,525Fees | 0.938%Above | 33 | |
40 | GENEVA FINANCIAL, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Sound | $4,066Fees | 1.305%Above | 33 | |
41 | DIRECT MORTGAGE LOANS, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Sound | $3,200Fees | 0.677%Above | 26 | |
42 | EQUITY RESOURCES, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Sound | $1,362Fees | 0.487%Above | 23 | |
43 | AMERISAVE MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $5,584Fees | 0.774%Above | 23 | |
44 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $4,090Fees | 0.794%Above | 137 | |
45 | NATIONS RELIABLE LENDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $3,392Fees | 0.488%Above | 58 | |
46 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $2,418Fees | 0.497%Above | 51 | |
47 | Luminate Home Loans, Inc.Independent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $4,116Fees | 0.918%Above | 44 | |
48 | POLARIS HOME FUNDING CORP.Independent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $4,852Fees | 0.697%Above | 30 | |
49 | PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $2,329Fees | 0.679%Above | 30 | |
50 | RAPID MORTGAGE COMPANYIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Sound | $3,305Fees | 0.730%Above | 31 |
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.