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 | $3,740Fees | 0.308%Below | 38 | |
2 | VELOCIO MORTGAGE L.L.C.Independent Mortgage Company | Exceptional | Exceptional | Exceptional | Exceptional | Sound | $175Fees | 1.129%Below | 24 | |
3 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Strong | $3,105Fees | 0.196%Below | 64 | |
4 | CORNERSTONE CAPITAL BANK, SSBBank | Exceptional | Strong | Exceptional | Exceptional | Strong | $4,473Fees | 0.112%Above | 58 | |
5 | American Security Mortgage Corp.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,726Fees | 0.016%Below | 75 | |
6 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,768Fees | 0.112%Below | 30 | |
7 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Sound | $791Fees | 0.565%Below | 21 | |
8 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,351Fees | 0.342%Above | 69 | |
9 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $2,693Fees | 0.531%Below | 16 | |
10 | ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,199Fees | 0.299%Above | 156 | |
11 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,877Fees | 0.361%Above | 98 | |
12 | USAA Federal Savings BankBank | Strong | Strong | Exceptional | Sound | Sound | $1,578Fees | 0.315%Below | 15 | |
13 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,524Credit | 0.089%Below | 82 | |
14 | MICHIGAN MUTUAL, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $710Fees | 0.227%Above | 52 | |
15 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $4,256Fees | 0.276%Above | 16 | |
16 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,693Fees | 0.238%Above | 12 |
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.