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 | $3,211Fees | 0.059%Above | 484 | |
2 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,079Fees | 0.371%Above | 498 | |
3 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,287Fees | 0.412%Below | 148 | |
4 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $3,478Fees | 0.234%Above | 160 | |
5 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,455Fees | 0.066%Above | 132 | |
6 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $3,486Fees | 0.500%Above | 95 | |
7 | KEYSTONE FUNDING, INC.Independent Mortgage Company | Exceptional | Sound | Strong | Exceptional | Exceptional | $3,515Fees | 0.301%Above | 412 | |
8 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,675Fees | 0.312%Above | 289 | |
9 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,362Fees | 0.306%Above | 246 | |
10 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,460Fees | 0.322%Above | 1,024 | |
11 | MERIDIAN BANKBank | Strong | Sound | Strong | Strong | Exceptional | $3,666Fees | 0.225%Above | 510 | |
12 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,332Fees | 0.317%Above | 391 | |
13 | Wilmington Savings Fund Society, FSBBank | Strong | Strong | Acceptable | Strong | Exceptional | $684Fees | 0.068%Below | 265 | |
14 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,010Fees | 0.253%Above | 224 | |
15 | Capital Bank, National AssociationBank | Strong | Strong | Strong | Sound | Strong | $2,524Fees | 0.279%Above | 174 | |
16 | MLD MORTGAGE INC.Independent Mortgage Company | Strong | Strong | Strong | Strong | Sound | $2,700Fees | 0.088%Below | 53 | |
17 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Exceptional | Sound | $2,547Fees | 0.276%Above | 36 | |
18 | USAA Federal Savings BankBank | Strong | Strong | Exceptional | Sound | Sound | $1,495Fees | 0.286%Below | 29 | |
19 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,696Fees | 0.357%Above | 262 | |
20 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $5,368Fees | 0.580%Above | 178 | |
21 | Evolve Bank & TrustBank | Strong | Sound | Strong | Strong | Strong | $3,954Fees | 0.320%Above | 138 | |
22 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,434Fees | 0.432%Above | 86 | |
23 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $3,519Fees | 0.286%Above | 32 | |
24 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,816Fees | 0.217%Above | 371 | |
25 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,979Fees | 0.402%Above | 234 | |
26 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,320Fees | 0.476%Above | 146 | |
27 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,673Fees | 0.313%Above | 104 | |
28 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,656Fees | 0.434%Above | 97 | |
29 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,298Fees | 0.630%Above | 60 | |
30 | Magnolia Bank, IncorporatedBank | Strong | Acceptable | Exceptional | Strong | Sound | $3,292Fees | 0.253%Above | 55 | |
31 | PIKE CREEK MORTGAGE SERVICES, INC.Independent Mortgage Company | Strong | Mediocre | Strong | Strong | Exceptional | $3,582Fees | 0.308%Above | 927 | |
32 | PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,911Fees | 0.452%Above | 145 | |
33 | Nations Lending CorporationIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Sound | $3,895Fees | 0.201%Above | 58 | |
34 | ALLIED MORTGAGE GROUP, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Sound | $1,705Fees | 0.371%Above | 42 | |
35 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $4,196Fees | 0.379%Above | 35 | |
36 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $2,901Fees | 0.490%Above | 138 | |
37 | Luminate Home Loans, Inc.Independent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $5,030Fees | 0.443%Above | 106 | |
38 | The Federal Savings BankBank | Sound | Mediocre | Exceptional | Sound | Sound | $3,653Fees | 0.192%Above | 37 | |
39 | NEW DAY FINANCIAL, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Sound | $5,059Fees | 1.210%Above | 35 |
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.