Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $790Fees | 0.567%Below | 84 | |
2 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,336Fees | 0.230%Below | 138 | |
3 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,012Fees | 0.235%Below | 192 | |
4 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,679Fees | 0.208%Above | 141 | |
5 | Ameris BankBank | Strong | Sound | Exceptional | Strong | Sound | $3,377Fees | 0.208%Above | 22 | |
6 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Exceptional | $2,021Fees | 0.322%Above | 148 | |
7 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,182Fees | 0.249%Above | 84 | |
8 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Sound | $2,493Fees | 0.454%Below | 30 | |
9 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,355Fees | 0.376%Above | 34 | |
10 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,417Fees | 0.481%Above | 27 | |
11 | Flagstar Bank, N.A.Bank | Strong | Acceptable | Exceptional | Strong | Sound | $2,736Fees | 0.059%Above | 13 | |
12 | BANKSOUTH MORTGAGE COMPANY, LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Sound | $3,740Fees | 0.304%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.