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 | $2,490Fees | 0.327%Above | 996 | |
2 | Fifth Third Bank, National AssociationBank | Exceptional | Exceptional | Strong | Strong | Strong | $739Fees | 0.201%Above | 444 | |
3 | LAKE MICHIGAN CREDIT UNIONCredit Union | Exceptional | Strong | Strong | Strong | Exceptional | $1,061Fees | 0.077%Below | 2,736 | |
4 | The Huntington National BankBank | Exceptional | Strong | Exceptional | Strong | Strong | $215Fees | 0.355%Above | 377 | |
5 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Sound | $705Fees | 0.452%Below | 36 | |
6 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,717Fees | 0.386%Above | 184 | |
7 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $1,830Fees | 0.188%Above | 60 | |
8 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $3,151Fees | 0.268%Above | 53 | |
9 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $1,685Fees | 0.203%Below | 49 | |
10 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,851Fees | 0.377%Above | 912 | |
11 | Independent BankBank | Strong | Strong | Sound | Strong | Strong | $1,061Fees | 0.211%Above | 316 | |
12 | MICHIGAN FIRST CREDIT UNIONCredit Union | Strong | Strong | Sound | Strong | Strong | $1,507Fees | 0.177%Above | 120 | |
13 | USAA Federal Savings BankBank | Strong | Strong | Exceptional | Sound | Sound | $2,307Fees | 0.260%Below | 29 | |
14 | NORTHERN MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | Exceptional | $4,046Fees | 0.370%Above | 338 | |
15 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,118Fees | 0.522%Above | 224 | |
16 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,348Fees | 0.536%Above | 74 | |
17 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,921Fees | 0.273%Above | 54 | |
18 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $1,639Fees | 0.104%Above | 39 | |
19 | The Dart BankBank | Strong | Acceptable | Strong | Exceptional | Strong | $2,028Fees | 0.183%Above | 242 | |
20 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,005Fees | 0.786%Above | 166 | |
21 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $2,608Fees | 0.435%Above | 97 | |
22 | MORTGAGE 1 INCORPORATEDIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $2,711Fees | 0.438%Above | 356 | |
23 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,484Fees | 0.481%Above | 100 | |
24 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $1,464Fees | 0.623%Above | 96 | |
25 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $5,323Fees | 0.370%Above | 43 | |
26 | SUCCESS MORTGAGE PARTNERS, INC.Independent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $4,882Fees | 0.663%Above | 175 | |
27 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Sound | $2,942Fees | 0.904%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.