Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | FBC MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Exceptional | Exceptional | Exceptional | Strong | $2,721Fees | 0.088%Below | 52 | |
2 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,518Fees | 0.214%Above | 252 | |
3 | Ameris BankBank | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,826Fees | 0.194%Above | 141 | |
4 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,628Fees | 0.279%Above | 99 | |
5 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $3,515Fees | 0.345%Above | 55 | |
6 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,496Fees | 0.169%Above | 39 | |
7 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,016Fees | 0.242%Above | 37 | |
8 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Sound | $943Fees | 0.770%Below | 29 | |
9 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,271Fees | 0.283%Above | 222 | |
10 | Advisors Mortgage Group, L.L.C.Independent Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $3,341Fees | 0.111%Above | 99 | |
11 | USAA Federal Savings BankBank | Strong | Strong | Exceptional | Sound | Sound | $1,628Fees | 0.102%Below | 16 | |
12 | RMC HOME MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $3,804Fees | 0.102%Below | 48 | |
13 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $3,543Fees | 0.086%Below | 17 | |
14 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,230Fees | 0.573%Above | 66 | |
15 | AFFORDABLE MORTGAGE ADVISORS, LLC.Independent Mortgage Company | Strong | Mediocre | Strong | Strong | Exceptional | $3,972Fees | 0.407%Above | 132 | |
16 | Mortgage Lenders Investment Trading CorporationIndependent Mortgage Company | Strong | Mediocre | Strong | Strong | Exceptional | $3,983Fees | 0.672%Above | 128 | |
17 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Sound | $4,425Fees | 0.705%Above | 28 |
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.