Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | GREENSTATE Credit UnionCredit Union | Exceptional | Exceptional | Exceptional | Exceptional | Exceptional | $833Fees | 0.048%Above | 2,002 | |
2 | INB, National AssociationBank | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $640Fees | 0.308%Above | 653 | |
3 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $1,855Fees | 0.413%Above | 7,352 | |
4 | PROPER RATE, LLCIndependent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,656Fees | 0.268%Above | 1,337 | |
5 | Fifth Third Bank, National AssociationBank | Exceptional | Exceptional | Strong | Strong | Exceptional | $339Credit | 0.266%Above | 1,233 | |
6 | FCB BanksBank | Exceptional | Exceptional | Strong | Strong | Exceptional | $715Fees | 0.092%Below | 566 | |
7 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,009Fees | 0.369%Above | 7,686 | |
8 | The Huntington National BankBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $745Credit | 0.195%Above | 2,085 | |
9 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $460Fees | 0.254%Above | 2,055 | |
10 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $456Fees | 0.440%Below | 707 | |
11 | United Community BankBank | Exceptional | Exceptional | — | Strong | Exceptional | $121Fees | 0.128%Above | 649 | |
12 | Old National BankBank | Exceptional | Exceptional | Strong | Strong | Strong | $861Fees | 0.034%Above | 626 | |
13 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Exceptional | $1,688Fees | 0.163%Above | 6,487 | |
14 | TOWNE MORTGAGE COMPANYIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,510Fees | 0.539%Above | 977 | |
15 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,993Fees | 0.486%Above | 838 | |
16 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,040Fees | 0.663%Above | 815 | |
17 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,170Fees | 0.188%Above | 781 | |
18 | Busey BankBank | Exceptional | Strong | — | Exceptional | Exceptional | $911Fees | 0.312%Above | 669 | |
19 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,281Fees | 0.479%Above | 391 | |
20 | SCOTT CREDIT UNIONCredit Union | Exceptional | Exceptional | Strong | Sound | Strong | $664Fees | 0.068%Above | 378 | |
21 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,865Fees | 0.657%Above | 2,802 | |
22 | NEWREZ LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,239Fees | 0.629%Above | 1,112 | |
23 | FIRST STATE MORTGAGE SERVICES, LLCIndependent Mortgage Company | Exceptional | Sound | Strong | Exceptional | Exceptional | $1,493Fees | 0.362%Above | 1,052 | |
24 | THE LOAN STORE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $336Fees | 0.307%Above | 963 | |
25 | MLD MORTGAGE INC.Independent Mortgage Company | Exceptional | Strong | Strong | Strong | Strong | $1,971Fees | 0.443%Above | 526 | |
26 | M/I FINANCIAL, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,266Fees | 0.139%Above | 489 | |
27 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,004Fees | 0.555%Above | 477 | |
28 | Bank of SpringfieldBank | Exceptional | Strong | Strong | Strong | Strong | $461Fees | 0.093%Above | 373 | |
29 | Carrollton BankBank | Exceptional | Strong | Strong | Strong | Strong | $776Fees | 0.080%Above | 365 | |
30 | USAA Federal Savings BankBank | Exceptional | Strong | Exceptional | Sound | Strong | $1,493Fees | 0.059%Below | 361 | |
31 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $937Fees | 0.633%Above | 354 | |
32 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,088Fees | 0.479%Above | 321 | |
33 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,532Fees | 0.398%Above | 315 | |
34 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,394Fees | 0.490%Above | 7,176 | |
35 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,737Fees | 0.680%Above | 3,156 | |
36 | FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $1,201Fees | 0.447%Above | 1,599 | |
37 | KEY MORTGAGE SERVICES, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $1,739Fees | 0.348%Above | 1,273 | |
38 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,661Fees | 0.439%Above | 810 | |
39 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $2,249Fees | 0.530%Above | 704 | |
40 | DELMAR FINANCIAL COMPANYIndependent Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $1,519Fees | 0.434%Above | 597 | |
41 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,553Fees | 0.469%Above | 418 | |
42 | POINT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | Strong | $1,541Fees | 0.344%Above | 410 | |
43 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,820Fees | 0.594%Above | 4,482 | |
44 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,764Fees | 0.679%Above | 2,244 | |
45 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,378Fees | 0.587%Above | 2,081 | |
46 | A & N MORTGAGE SERVICES, INC.Independent Mortgage Company | Strong | Sound | Sound | Strong | Exceptional | $1,570Fees | 0.336%Above | 1,149 | |
47 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,510Fees | 0.608%Above | 1,031 | |
48 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,346Fees | 0.295%Above | 896 | |
49 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,331Fees | 0.369%Above | 337 | |
50 | OCMBC, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $3,448Fees | 0.988%Above | 261 |
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.