Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Union Savings BankBank | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $911Fees | 0.189%Above | 790 | |
2 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,474Fees | 0.318%Above | 3,640 | |
3 | Fifth Third Bank, National AssociationBank | Exceptional | Exceptional | Strong | Strong | Exceptional | $787Fees | 0.353%Above | 1,342 | |
4 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $4,447Fees | 0.019%Above | 1,219 | |
5 | Old National BankBank | Exceptional | Exceptional | Strong | Strong | Exceptional | $855Fees | 0.103%Below | 1,017 | |
6 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,132Fees | 0.474%Above | 1,304 | |
7 | MORTGAGE MASTERS OF INDIANA, INC.Independent Mortgage Company | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,482Fees | 0.319%Above | 801 | |
8 | EVERWISE CREDIT UNIONCredit Union | Exceptional | Exceptional | Sound | Strong | Exceptional | $642Fees | 0.216%Above | 665 | |
9 | Elements Financial Federal Credit UnionCredit Union | Exceptional | Exceptional | — | Strong | Exceptional | $1,100Fees | 0.112%Above | 500 | |
10 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $702Fees | 0.482%Below | 475 | |
11 | KeyBank National AssociationBank | Exceptional | Exceptional | Strong | Strong | Strong | $1,128Fees | 0.214%Above | 276 | |
12 | University BankBank | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,643Fees | 0.261%Above | 270 | |
13 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Exceptional | $1,932Fees | 0.269%Above | 2,061 | |
14 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,260Fees | 0.437%Above | 982 | |
15 | The Huntington National BankBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,093Fees | 0.440%Above | 951 | |
16 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,142Fees | 0.031%Above | 458 | |
17 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,733Fees | 0.746%Above | 442 | |
18 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,188Fees | 0.387%Above | 318 | |
19 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $748Fees | 0.226%Above | 309 | |
20 | NEWREZ LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,955Fees | 0.523%Above | 1,431 | |
21 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,036Fees | 0.626%Above | 549 | |
22 | German American BankBank | Exceptional | Strong | Strong | Sound | Exceptional | $804Fees | 0.148%Above | 511 | |
23 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,778Fees | 0.662%Above | 475 | |
24 | M/I FINANCIAL, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $6,197Fees | 0.533%Below | 414 | |
25 | USAA Federal Savings BankBank | Exceptional | Strong | Exceptional | Sound | Strong | $1,726Fees | 0.149%Below | 281 | |
26 | VICTORY MORTGAGE, L.L.C.Independent Mortgage Company | Exceptional | Strong | Strong | Strong | Strong | $632Fees | 0.030%Below | 254 | |
27 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,835Fees | 0.632%Above | 233 | |
28 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,509Fees | 0.481%Above | 6,448 | |
29 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,757Fees | 0.617%Above | 2,784 | |
30 | MJW FINANCIAL LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $1,611Fees | 0.383%Above | 1,221 | |
31 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,137Fees | 0.526%Above | 811 | |
32 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $1,965Fees | 0.449%Above | 483 | |
33 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,401Fees | 0.553%Above | 322 | |
34 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,431Fees | 0.237%Above | 277 | |
35 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,679Fees | 0.378%Above | 230 | |
36 | RUOFF MORTGAGE COMPANY, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,831Fees | 0.432%Above | 5,510 | |
37 | GVC MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Exceptional | Exceptional | $3,110Fees | 0.547%Above | 3,045 | |
38 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,559Fees | 0.604%Above | 1,700 | |
39 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,411Fees | 0.732%Above | 1,275 | |
40 | Centier BankBank | Strong | Sound | — | Strong | Exceptional | $655Fees | 0.522%Above | 575 | |
41 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,283Fees | 0.618%Above | 551 | |
42 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,008Fees | 0.555%Above | 426 | |
43 | Wells Fargo Bank, National AssociationBank | Strong | Sound | Exceptional | Sound | Strong | $2,204Fees | 0.161%Above | 319 | |
44 | HOWARD HANNA FINANCIAL SERVICES, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $2,203Fees | 0.378%Above | 289 | |
45 | HALLMARK HOME MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $2,559Fees | 0.644%Above | 1,542 | |
46 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,158Fees | 0.696%Above | 1,396 | |
47 | LibertyCredit Union | Strong | Acceptable | Strong | Strong | Exceptional | $999Fees | 0.350%Above | 869 | |
48 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,505Fees | 0.468%Above | 867 | |
49 | STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,095Fees | 0.556%Above | 653 | |
50 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,851Fees | 0.832%Above | 641 |
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.