Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Univest Bank and Trust Co.Bank | Exceptional | Exceptional | Strong | Strong | Strong | $1,819Fees | 0.095%Above | 66 | |
2 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,506Fees | 0.192%Above | 339 | |
3 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Exceptional | $2,540Fees | 0.117%Above | 301 | |
4 | Manufacturers and Traders Trust CompanyBank | Exceptional | Strong | Exceptional | Strong | Strong | $504Fees | 0.163%Above | 66 | |
5 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,940Fees | 0.978%Above | 58 | |
6 | MEMBERS 1STCredit Union | Exceptional | Strong | Sound | Strong | Exceptional | $1,390Fees | 0.032%Above | 286 | |
7 | Mortgage America, Inc.Independent Mortgage Company | Exceptional | Strong | Strong | Strong | Strong | $1,844Fees | 0.114%Above | 59 | |
8 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,043Fees | 0.405%Above | 549 | |
9 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,669Fees | 0.563%Above | 225 | |
10 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,668Fees | 0.435%Above | 97 | |
11 | EMM LOANS LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $4,038Fees | 0.393%Above | 66 | |
12 | NATIONS DIRECT MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,969Fees | 0.109%Above | 41 | |
13 | GoodLeap, LLCIndependent Mortgage Company | Strong | Strong | Exceptional | Sound | Sound | $3,881Fees | 0.076%Above | 17 | |
14 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,175Fees | 0.326%Above | 214 | |
15 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,988Fees | 0.356%Above | 74 | |
16 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $3,293Fees | 0.485%Above | 57 | |
17 | HOWARD HANNA FINANCIAL SERVICES, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $3,630Fees | 0.118%Above | 47 | |
18 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,561Fees | 0.076%Above | 146 | |
19 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,965Fees | 0.432%Above | 128 | |
20 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,143Fees | 0.411%Above | 106 | |
21 | Orrstown BankBank | Strong | Sound | Sound | Strong | Strong | $1,485Fees | 0.247%Above | 69 | |
22 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,345Fees | 0.539%Above | 51 | |
23 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $2,780Fees | 0.505%Above | 39 | |
24 | V.I.P. MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $2,540Fees | 0.238%Above | 18 | |
25 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,427Fees | 0.562%Above | 229 | |
26 | TIDEWATER MORTGAGE SERVICES, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $2,095Fees | 0.298%Above | 64 | |
27 | Homesale Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $1,906Fees | 0.400%Above | 56 | |
28 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,457Fees | 0.516%Above | 20 | |
29 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $1,955Fees | 0.892%Above | 15 | |
30 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Sound | Exceptional | $2,666Fees | 0.381%Above | 223 | |
31 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,815Fees | 0.458%Above | 47 | |
32 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $4,325Fees | 0.554%Above | 16 | |
33 | AMERISAVE MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $5,102Fees | 0.845%Above | 16 | |
34 | RADIUS FINANCIAL GROUP INC.Independent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $4,336Fees | 0.549%Above | 51 | |
35 | PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $2,901Fees | 0.559%Above | 28 | |
36 | FIRST ALLIANCE HOME MORTGAGE, LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Sound | Strong | $3,452Fees | 0.524%Above | 84 |
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.