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 | $2,275Fees | 0.039%Below | 695 | |
2 | CORNERSTONE CAPITAL BANK, SSBBank | Exceptional | Strong | Exceptional | Exceptional | Strong | $4,206Fees | 0.408%Above | 147 | |
3 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $484Fees | 0.684%Below | 67 | |
4 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,433Fees | 0.382%Above | 418 | |
5 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,592Fees | 0.272%Above | 326 | |
6 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,802Fees | 0.005%Below | 175 | |
7 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,203Fees | 0.034%Below | 77 | |
8 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $5,589Fees | 0.265%Above | 73 | |
9 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,727Fees | 0.123%Above | 623 | |
10 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,625Fees | 0.177%Above | 218 | |
11 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,551Fees | 0.286%Above | 150 | |
12 | SAMMAMISH MORTGAGE COMPANYIndependent Mortgage Company | Strong | Strong | Strong | Sound | Strong | $635Fees | 0.005%Below | 88 | |
13 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,975Fees | 0.454%Above | 409 | |
14 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,300Fees | 0.354%Above | 324 | |
15 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,798Fees | 0.340%Above | 217 | |
16 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,321Fees | 0.304%Above | 141 | |
17 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,265Fees | 0.225%Above | 58 | |
18 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,978Fees | 0.493%Above | 289 | |
19 | EVERGREEN MONEYSOURCE MORTGAGE COMPANYIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $5,444Fees | 0.523%Above | 140 | |
20 | 1st Security Bank of WashingtonBank | Strong | Acceptable | Strong | Strong | Strong | $3,155Fees | 0.211%Above | 98 | |
21 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,952Fees | 0.057%Below | 46 | |
22 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $4,424Fees | 0.352%Above | 191 | |
23 | CANOPY MORTGAGE, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $5,355Fees | 0.517%Above | 34 |
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.