Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | LENDLO MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Exceptional | Exceptional | Exceptional | Exceptional | $3,500Fees | 0.498%Above | 403 | |
2 | Arvest BankBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,504Fees | 0.215%Above | 1,176 | |
3 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,167Fees | 0.081%Below | 264 | |
4 | First Horizon BankBank | Exceptional | Exceptional | Strong | Strong | Strong | $2,477Fees | 0.032%Above | 122 | |
5 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $417Fees | 0.565%Below | 86 | |
6 | NBKC BANKBank | Exceptional | Exceptional | Exceptional | Strong | Sound | $741Fees | 0.269%Below | 42 | |
7 | Priority BankBank | Exceptional | Strong | Strong | Strong | Exceptional | $2,186Fees | 0.001%Above | 228 | |
8 | GERSHMAN INVESTMENT CORP.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,605Fees | 0.000%Above | 181 | |
9 | Eagle Bank and Trust CompanyBank | Exceptional | Strong | Strong | Exceptional | Strong | $1,687Fees | 0.116%Above | 94 | |
10 | ASSOCIATED MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,308Fees | 0.169%Above | 288 | |
11 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $3,825Fees | 0.424%Above | 48 | |
12 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $1,897Fees | 0.036%Below | 47 | |
13 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,953Fees | 0.218%Above | 665 | |
14 | FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,004Fees | 0.166%Above | 559 | |
15 | Centennial BankBank | Strong | Sound | Strong | Strong | Exceptional | $1,756Fees | 0.115%Above | 418 | |
16 | Gateway First BankBank | Strong | Sound | Exceptional | Strong | Strong | $2,658Fees | 0.149%Above | 185 | |
17 | ENCORE BANKBank | Strong | Strong | Strong | Sound | Strong | $1,599Fees | 0.220%Above | 100 | |
18 | USAA Federal Savings BankBank | Strong | Strong | Exceptional | Sound | Sound | $1,743Fees | 0.133%Below | 46 | |
19 | MY MOVE MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $2,343Fees | 0.075%Above | 150 | |
20 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,467Fees | 0.287%Above | 87 | |
21 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $3,451Fees | 0.217%Above | 31 | |
22 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,334Fees | 0.198%Above | 28 | |
23 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,889Fees | 0.439%Above | 134 | |
24 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,292Fees | 0.315%Above | 82 | |
25 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,737Fees | 0.610%Above | 63 | |
26 | Luminate Home Loans, Inc.Independent Mortgage Company | Sound | Mediocre | Strong | Strong | Sound | $4,848Fees | 0.470%Above | 44 |
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.