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 | $2,445Fees | 0.103%Above | 637 | |
2 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Exceptional | $301Fees | 0.562%Below | 243 | |
3 | NBKC BANKBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $197Credit | 0.291%Below | 55 | |
4 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,615Fees | 0.174%Above | 435 | |
5 | Towne BankBank | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,232Fees | 0.067%Above | 336 | |
6 | First Heritage Mortgage, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,680Fees | 0.118%Above | 272 | |
7 | Sandy Spring BankBank | Exceptional | Strong | Strong | Strong | Exceptional | $1,059Fees | 0.105%Above | 193 | |
8 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,227Fees | 0.017%Above | 180 | |
9 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,878Fees | 0.111%Below | 153 | |
10 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,286Fees | 0.077%Above | 140 | |
11 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $593Fees | 0.050%Below | 73 | |
12 | HOMESPIRE MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Sound | Strong | Exceptional | Exceptional | $4,117Fees | 0.436%Above | 156 | |
13 | Shore United Bank, N.A.Bank | Exceptional | Sound | Strong | Exceptional | Exceptional | $3,805Fees | 0.159%Above | 117 | |
14 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,464Fees | 0.196%Above | 112 | |
15 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,323Fees | 0.048%Above | 88 | |
16 | SWBC MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,202Fees | 0.328%Above | 63 | |
17 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,736Fees | 0.140%Above | 988 | |
18 | FIRST HOME MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,897Fees | 0.297%Above | 483 | |
19 | Atlantic Coast Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,846Fees | 0.103%Above | 222 | |
20 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,230Fees | 0.264%Above | 169 | |
21 | Vellum Mortgage, Inc.Independent Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $2,894Fees | 0.155%Above | 152 | |
22 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,856Fees | 0.059%Above | 110 | |
23 | INTERCOASTAL MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | Strong | $2,701Fees | 0.077%Above | 71 | |
24 | USAA Federal Savings BankBank | Strong | Strong | Exceptional | Sound | Sound | $2,460Fees | 0.259%Below | 36 | |
25 | PENTAGON FEDERAL CREDIT UNIONCredit Union | Strong | Strong | Exceptional | Sound | Sound | $3,252Fees | 0.243%Below | 35 | |
26 | FIRST SAVINGS MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | Exceptional | $2,505Fees | 0.159%Above | 287 | |
27 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,117Fees | 0.018%Below | 217 | |
28 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,036Fees | 0.305%Above | 173 | |
29 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,616Fees | 0.211%Above | 137 | |
30 | MERIDIAN BANKBank | Strong | Sound | Strong | Strong | Strong | $1,644Fees | 0.067%Above | 43 | |
31 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $353Fees | 0.156%Below | 41 | |
32 | EMBRACE HOME LOANS, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $2,721Fees | 0.267%Above | 242 | |
33 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,713Fees | 0.181%Above | 223 | |
34 | Presidential Bank, FSBBank | Strong | Acceptable | Strong | Exceptional | Strong | $3,637Fees | 0.222%Above | 124 | |
35 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,315Fees | 0.311%Above | 66 | |
36 | Integrity Home Mortgage CorporationIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,458Fees | 0.521%Above | 60 | |
37 | ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,832Fees | 0.017%Above | 31 | |
38 | MDE HOME LOANS, LLCIndependent Mortgage Company | Strong | Sound | Sound | Strong | Strong | $1,313Fees | 0.201%Above | 29 | |
39 | DIRECT MORTGAGE LOANS, LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $4,171Fees | 0.325%Above | 97 | |
40 | THE MORTGAGE LINK, INC.Independent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $3,744Fees | 0.353%Above | 92 |
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.