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 | $3,586Fees | 0.229%Above | 216 | |
2 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $769Fees | 0.316%Below | 99 | |
3 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,594Fees | 0.460%Above | 57 | |
4 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,762Fees | 0.186%Above | 48 | |
5 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,681Fees | 0.079%Below | 48 | |
6 | HOMESPIRE MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Sound | Strong | Exceptional | Exceptional | $3,525Fees | 0.282%Above | 226 | |
7 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,482Fees | 0.053%Above | 125 | |
8 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $3,525Fees | 0.284%Above | 27 | |
9 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,470Fees | 0.359%Above | 389 | |
10 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,088Fees | 0.053%Above | 81 | |
11 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | Sound | $2,909Fees | 0.238%Above | 38 | |
12 | USAA Federal Savings BankBank | Strong | Strong | Exceptional | Sound | Sound | $2,322Fees | 0.061%Below | 13 | |
13 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Exceptional | Sound | $1,318Fees | 0.009%Above | 11 | |
14 | Integrity Home Mortgage CorporationIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,157Fees | 0.544%Above | 358 | |
15 | Atlantic Coast Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,577Fees | 0.322%Above | 100 | |
16 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,226Fees | 1.008%Above | 110 | |
17 | Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,547Fees | 0.440%Above | 81 | |
18 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,643Fees | 0.338%Above | 64 | |
19 | RMC HOME MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Sound | $4,319Fees | 0.149%Above | 26 | |
20 | MICHIGAN MUTUAL, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Sound | $2,175Fees | 0.105%Above | 22 | |
21 | EMBRACE HOME LOANS, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $3,103Fees | 0.315%Above | 50 | |
22 | DIRECT MORTGAGE LOANS, LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $5,012Fees | 0.552%Above | 56 | |
23 | The Federal Savings BankBank | Sound | Mediocre | Exceptional | Sound | Sound | $3,238Fees | 0.591%Above | 15 |
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.