Safe Rate Rankings
Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.
| 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 | $2,012Fees | 0.235%Below | 192 | |
2 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $3,336Fees | 0.230%Below | 138 | |
3 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $790Fees | 0.567%Below | 84 | |
4 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $924Fees | 0.148%Above | 65 | |
5 | Ameris BankBank | Exceptional | Strong | Exceptional | Exceptional | Sound | $3,377Fees | 0.208%Above | 22 | |
6 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $2,493Fees | 0.454%Below | 30 | |
7 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $1,392Fees | 0.171%Below | 24 | |
8 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $1,827Fees | 0.031%Above | 13 | |
9 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,679Fees | 0.208%Above | 141 | |
10 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | Sound | $2,355Fees | 0.376%Above | 34 | |
11 | USAA Federal Savings BankBank | Strong | Strong | Exceptional | Sound | Sound | $1,765Fees | 0.264%Below | 21 | |
12 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Exceptional | Sound | $983Fees | 0.120%Above | 11 | |
13 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,399Fees | 0.869%Above | 360 | |
14 | LoanUnited.com, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $2,637Fees | 0.029%Below | 26 | |
15 | Plains Commerce BankBank | Strong | Sound | Exceptional | Strong | Sound | $2,004Fees | 0.691%Above | 21 | |
16 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $1,358Fees | 0.575%Above | 14 | |
17 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $4,449Fees | 0.146%Below | 12 | |
18 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,182Fees | 0.249%Above | 84 | |
19 | MORTGAGE SOLUTIONS OF COLORADO, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,311Fees | 0.300%Above | 32 | |
20 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,417Fees | 0.481%Above | 27 | |
21 | OCMBC, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Sound | $223Fees | 0.311%Above | 15 | |
22 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,462Fees | 1.208%Above | 12 | |
23 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Sound | Exceptional | $2,021Fees | 0.322%Above | 148 | |
24 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $2,496Fees | 0.936%Above | 21 | |
25 | SUMMIT FUNDING, INC.Independent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $3,569Fees | 0.703%Above | 10 | |
26 | NEW DAY FINANCIAL, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Sound | $5,146Fees | 1.474%Above | 21 | |
27 | The Federal Savings BankBank | Sound | Mediocre | Exceptional | Sound | Sound | $1,570Fees | 0.118%Above | 14 |
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.