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 | 0.065%Above | 427 | |
2 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $697Fees | 0.613%Below | 75 | |
3 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,602Fees | 0.213%Above | 257 | |
4 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,364Fees | 0.292%Above | 103 | |
5 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,708Fees | 0.012%Above | 96 | |
6 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,969Fees | 0.106%Above | 68 | |
7 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $294Credit | 0.003%Below | 62 | |
8 | CORPORATE INVESTORS MORTGAGE GROUP, INCIndependent Mortgage Company | Exceptional | Strong | Sound | Strong | Exceptional | $2,957Fees | 0.106%Above | 193 | |
9 | American Security Mortgage Corp.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,172Fees | 0.054%Above | 94 | |
10 | First Heritage Mortgage, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,262Fees | 0.251%Above | 59 | |
11 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,971Fees | 0.237%Above | 511 | |
12 | Truist BankBank | Strong | Strong | Strong | Sound | Strong | $973Fees | 0.032%Above | 150 | |
13 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,400Fees | 0.135%Below | 114 | |
14 | USAA Federal Savings BankBank | Strong | Strong | Exceptional | Sound | Sound | $1,651Fees | 0.151%Below | 31 | |
15 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,074Fees | 0.117%Above | 46 | |
16 | INTERCOASTAL MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | Sound | $1,558Fees | 0.264%Above | 25 | |
17 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,976Fees | 0.346%Above | 110 | |
18 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,109Fees | 0.417%Above | 106 | |
19 | The Federal Savings BankBank | Sound | Mediocre | Exceptional | Sound | Sound | $4,816Fees | 1.059%Above | 22 | |
20 | NEW DAY FINANCIAL, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Sound | $6,094Fees | 1.428%Above | 15 |
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.