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 | $2,262Fees | 0.571%Above | 3,431 | |
2 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,974Fees | 0.249%Above | 228 | |
3 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,753Fees | 0.478%Above | 99 | |
4 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Sound | $241Fees | 0.460%Below | 69 | |
5 | Flagstar Bank, N.A.Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,830Fees | 0.621%Above | 621 | |
6 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $1,542Fees | 0.379%Above | 402 | |
7 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,285Fees | 0.702%Above | 129 | |
8 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $1,432Fees | 0.435%Above | 70 | |
9 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,694Fees | 0.466%Above | 3,175 | |
10 | STAUNTON FINANCIAL, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $1,819Fees | 0.367%Above | 424 | |
11 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,771Fees | 0.722%Above | 197 | |
12 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,020Fees | 0.498%Above | 99 | |
13 | MORTGAGE 1 INCORPORATEDIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $2,849Fees | 0.634%Above | 448 | |
14 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,298Fees | 0.712%Above | 380 | |
15 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,842Fees | 0.738%Above | 204 | |
16 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,296Fees | 1.086%Above | 191 | |
17 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,044Fees | 0.560%Above | 99 | |
18 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $2,215Fees | 0.734%Above | 246 | |
19 | ROSS MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $1,922Fees | 0.506%Above | 177 | |
20 | THE MORTGAGE LINK, INC.Independent Mortgage Company | Strong | Mediocre | Strong | Strong | Exceptional | $2,451Fees | 0.692%Above | 348 | |
21 | SUCCESS MORTGAGE PARTNERS, INC.Independent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $3,405Fees | 0.413%Above | 165 |
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.