Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | LibertyCredit Union | Exceptional | Strong | Exceptional | Strong | Exceptional | $983Fees | 0.329%Above | 609 | |
2 | FBC MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Strong | $3,118Fees | 0.355%Above | 65 | |
3 | Old National BankBank | Exceptional | Exceptional | Strong | Sound | Strong | $695Fees | 0.004%Below | 142 | |
4 | MORTGAGE MASTERS OF INDIANA, INC.Independent Mortgage Company | Exceptional | Sound | Strong | Exceptional | Exceptional | $1,456Fees | 0.299%Above | 635 | |
5 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,384Fees | 0.274%Above | 111 | |
6 | Fifth Third Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $563Fees | 0.380%Above | 93 | |
7 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $992Fees | 0.593%Above | 40 | |
8 | INTERLINC MORTGAGE SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $1,666Fees | 0.789%Above | 28 | |
9 | German American BankBank | Strong | Strong | Strong | Sound | Strong | $795Fees | 0.227%Above | 68 | |
10 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Strong | Exceptional | Sound | Sound | $884Fees | 0.244%Above | 27 | |
11 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,585Fees | 0.503%Above | 184 | |
12 | Bank of EnglandBank | Strong | Sound | Exceptional | Strong | Sound | $1,675Fees | 0.364%Above | 27 | |
13 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $1,569Fees | 0.416%Above | 17 | |
14 | Plains Commerce BankBank | Strong | Sound | Exceptional | Strong | Sound | $1,311Fees | 0.673%Above | 13 | |
15 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Sound | $1,157Fees | 0.601%Above | 12 | |
16 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $2,419Fees | 0.629%Above | 25 | |
17 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Sound | $2,297Fees | 0.600%Above | 20 | |
18 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $850Fees | 0.281%Above | 40 | |
19 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,541Fees | 1.156%Above | 36 | |
20 | ZILLOW HOME LOANS, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,920Fees | 0.851%Above | 18 | |
21 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,008Fees | 0.844%Above | 11 | |
22 | GVC MORTGAGE, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Sound | $2,793Fees | 1.037%Above | 22 | |
23 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $5,055Fees | 0.265%Above | 16 | |
24 | ENVOY MORTGAGE, LTDIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $1,516Fees | 0.686%Above | 15 | |
25 | FAIR WAY LENDING LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Sound | $2,925Fees | 0.903%Above | 12 | |
26 | Luminate Home Loans, Inc.Independent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $1,990Fees | 0.737%Above | 46 | |
27 | CALCON MUTUAL MORTGAGE LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $2,184Fees | 0.872%Above | 31 | |
28 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $2,651Fees | 0.335%Above | 13 | |
29 | AMERISAVE MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Acceptable | Exceptional | Sound | Acceptable | $2,992Fees | 0.821%Above | 10 | |
30 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Sound | $2,481Fees | 0.788%Above | 13 |
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.