Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | JET HOMELOANS, LPIndependent Mortgage Company | Exceptional | Exceptional | Exceptional | Exceptional | Strong | $1,335Fees | 0.647%Below | 60 | |
2 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,801Fees | 0.051%Above | 693 | |
3 | CORNERSTONE CAPITAL BANK, SSBBank | Exceptional | Strong | Exceptional | Exceptional | Strong | $3,877Fees | 0.382%Above | 62 | |
4 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $4,039Fees | 0.171%Above | 124 | |
5 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Sound | $628Fees | 0.470%Below | 25 | |
6 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,490Fees | 0.147%Above | 170 | |
7 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $3,547Fees | 0.207%Below | 39 | |
8 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $2,019Fees | 0.072%Below | 33 | |
9 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,016Fees | 0.129%Above | 258 | |
10 | First Western Trust BankBank | Strong | Sound | Strong | Strong | Exceptional | $2,297Fees | 0.051%Above | 244 | |
11 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,207Fees | 0.303%Above | 195 | |
12 | ELEVATIONSCredit Union | Strong | Sound | Strong | Sound | Exceptional | $1,433Fees | 0.113%Above | 182 | |
13 | GROUP MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $4,055Fees | 0.151%Above | 150 | |
14 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,178Fees | 0.339%Above | 92 | |
15 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $440Credit | 0.479%Above | 36 |
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.