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 | Exceptional | $574Fees | 0.550%Below | 484 | |
2 | FBC MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Exceptional | Exceptional | Exceptional | Sound | $760Fees | 0.989%Below | 31 | |
3 | JET HOMELOANS, LPIndependent Mortgage Company | Exceptional | Exceptional | Exceptional | Exceptional | Sound | $2,150Fees | 0.847%Below | 25 | |
4 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $867Fees | 0.148%Below | 287 | |
5 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,512Fees | 0.576%Below | 130 | |
6 | NBKC BANKBank | Exceptional | Exceptional | Exceptional | Strong | Sound | $835Fees | 0.335%Below | 21 | |
7 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,725Fees | 0.022%Above | 314 | |
8 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,490Fees | 0.161%Below | 113 | |
9 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $3,050Fees | 0.539%Below | 48 | |
10 | CORNERSTONE CAPITAL BANK, SSBBank | Exceptional | Strong | Exceptional | Exceptional | Sound | $5,353Fees | 0.044%Above | 11 | |
11 | NEWREZ LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $733Fees | 0.030%Above | 216 | |
12 | American Security Mortgage Corp.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,900Fees | 0.081%Above | 50 | |
13 | AAFMAA Mortgage Services LLCIndependent Mortgage Company | Exceptional | Strong | Strong | Strong | Strong | $891Fees | 0.173%Below | 44 | |
14 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Acceptable | $6,374Fees | 0.088%Below | 10 | |
15 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,220Fees | 0.259%Above | 221 | |
16 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,706Fees | 0.001%Above | 84 | |
17 | USAA Federal Savings BankBank | Strong | Strong | Exceptional | Sound | Sound | $1,978Fees | 0.303%Below | 34 | |
18 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Exceptional | Sound | $3,026Fees | 0.140%Below | 28 | |
19 | Towne BankBank | Strong | Sound | Exceptional | Exceptional | Sound | $1,830Fees | 0.092%Above | 14 | |
20 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $5,279Fees | 0.536%Above | 414 | |
21 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $802Fees | 0.205%Above | 235 | |
22 | ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,653Fees | 0.245%Above | 65 | |
23 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,483Fees | 0.223%Above | 58 | |
24 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,841Fees | 0.160%Above | 45 | |
25 | LOANSTEADY LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $1,152Fees | 0.052%Below | 33 | |
26 | Primis Mortgage CompanyIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $2,692Fees | 0.162%Above | 32 | |
27 | INTERCOASTAL MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | Sound | $559Fees | 0.023%Below | 24 | |
28 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $3,557Fees | 0.573%Above | 24 | |
29 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,865Fees | 0.026%Below | 23 | |
30 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $1,662Fees | 0.059%Below | 15 | |
31 | Integrity Home Mortgage CorporationIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,654Fees | 0.244%Above | 97 | |
32 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,619Fees | 0.268%Above | 83 | |
33 | Wells Fargo Bank, National AssociationBank | Strong | Sound | Exceptional | Sound | Sound | $2,134Fees | 0.224%Above | 24 | |
34 | RESIDENTIAL WHOLESALE MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Sound | $610Fees | 0.103%Below | 11 | |
35 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,765Fees | 0.324%Above | 23 | |
36 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,271Fees | 0.167%Above | 22 | |
37 | Mid-Continent Funding, Inc.Independent Mortgage Company | Strong | Sound | Strong | Sound | Sound | $2,301Fees | 0.384%Below | 13 | |
38 | MORTGAGE SOLUTIONS OF COLORADO, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,587Fees | 0.134%Above | 12 | |
39 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $4,710Fees | 0.141%Below | 13 | |
40 | NEW DAY FINANCIAL, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Sound | $5,748Fees | 1.299%Above | 28 | |
41 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Sound | $3,657Fees | 0.737%Above | 18 | |
42 | The Federal Savings BankBank | Sound | Mediocre | Exceptional | Sound | Sound | $5,550Fees | 0.391%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.