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 | $898Fees | 0.110%Above | 222 | |
2 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,815Fees | 0.379%Above | 620 | |
3 | The Huntington National BankBank | Exceptional | Strong | Exceptional | Strong | Strong | $420Credit | 0.252%Above | 147 | |
4 | First National Bank of OmahaBank | Exceptional | Strong | Strong | Strong | Exceptional | $704Fees | 0.667%Above | 132 | |
5 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,801Fees | 0.633%Above | 74 | |
6 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,255Fees | 0.713%Above | 244 | |
7 | M/I FINANCIAL, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,529Fees | 0.162%Above | 161 | |
8 | TOWNE MORTGAGE COMPANYIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,519Fees | 0.613%Above | 64 | |
9 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $585Fees | 0.094%Above | 52 | |
10 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,883Fees | 0.393%Above | 542 | |
11 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,953Fees | 0.698%Above | 242 | |
12 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $2,766Fees | 0.608%Above | 51 | |
13 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,004Fees | 0.367%Above | 689 | |
14 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Sound | Exceptional | $1,898Fees | 0.224%Above | 467 | |
15 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,597Fees | 0.597%Above | 446 | |
16 | KEY MORTGAGE SERVICES, INC.Independent Mortgage Company | Strong | Sound | Strong | Sound | Exceptional | $1,783Fees | 0.331%Above | 168 | |
17 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $2,518Fees | 0.507%Above | 103 | |
18 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,039Fees | 0.645%Above | 55 | |
19 | CIBM BankBank | Strong | Sound | Strong | Strong | Strong | $1,311Fees | 0.441%Above | 45 | |
20 | RESICENTRAL, LLCIndependent Mortgage Company | Strong | Strong | Strong | Sound | Sound | $650Fees | 0.487%Above | 34 | |
21 | MLD MORTGAGE INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $1,438Fees | 0.413%Above | 27 | |
22 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $2,911Fees | 0.555%Above | 224 | |
23 | COMPASS MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $2,426Fees | 0.571%Above | 173 | |
24 | Barrington Bank & Trust Company, National AssociationBank | Strong | Acceptable | Exceptional | Strong | Strong | $1,860Fees | 0.523%Above | 152 | |
25 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,301Fees | 0.605%Above | 127 | |
26 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,746Fees | 0.409%Above | 93 | |
27 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,021Fees | 0.223%Above | 59 | |
28 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,874Fees | 0.382%Above | 50 | |
29 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,298Fees | 0.720%Above | 289 | |
30 | Old Second National BankBank | Strong | Sound | Sound | Acceptable | Exceptional | $1,191Fees | 0.432%Above | 116 | |
31 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $1,877Fees | 0.523%Above | 96 | |
32 | The Federal Savings BankBank | Strong | Acceptable | Exceptional | Sound | Strong | $3,067Fees | 0.684%Above | 73 | |
33 | POINT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $1,383Fees | 0.356%Above | 60 | |
34 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $1,192Fees | 0.456%Above | 45 | |
35 | THE MORTGAGE LINK, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,689Fees | 1.040%Above | 36 | |
36 | THE ANDERSON FINANCIAL GROUP, INC.Independent Mortgage Company | Strong | Sound | Sound | Sound | Strong | $1,454Fees | 0.422%Above | 36 | |
37 | AMERICAN PORTFOLIO MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,010Fees | 0.449%Above | 30 | |
38 | OCMBC, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,465Fees | 1.296%Above | 22 | |
39 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,540Fees | 1.019%Above | 22 | |
40 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,426Fees | 0.581%Above | 64 | |
41 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $5,747Fees | 0.640%Above | 22 | |
42 | GENEVA FINANCIAL, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Sound | $4,244Fees | 0.862%Above | 21 | |
43 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $2,042Fees | 0.540%Above | 93 | |
44 | Click n' Close, Inc.Independent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $7,209Fees | 1.890%Above | 34 | |
45 | SUCCESS MORTGAGE PARTNERS, INC.Independent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $3,973Fees | 0.567%Above | 25 | |
46 | CALCON MUTUAL MORTGAGE LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $2,652Fees | 0.837%Above | 22 |
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.