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 | Sound | $960Fees | 0.529%Below | 11 | |
2 | PNC Bank, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Sound | $85Fees | 0.587%Above | 21 | |
3 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,528Fees | 0.705%Above | 104 | |
4 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $2,533Fees | 0.262%Above | 30 | |
5 | Fifth Third Bank, National AssociationBank | Strong | Strong | Exceptional | Sound | Sound | $1,061Fees | 0.588%Above | 10 | |
6 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,601Fees | 0.628%Above | 51 | |
7 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,069Fees | 0.338%Above | 30 | |
8 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,750Fees | 0.649%Above | 18 | |
9 | Midland States BankBank | Strong | Acceptable | Strong | Strong | Exceptional | $967Fees | 0.576%Above | 62 | |
10 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,138Fees | 0.729%Above | 42 | |
11 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,015Fees | 0.812%Above | 42 | |
12 | AMERIHOME MORTGAGE COMPANY, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Sound | $3,107Fees | 0.995%Above | 14 | |
13 | First American BankBank | Strong | Strong | Sound | Sound | Sound | $872Fees | 0.162%Above | 12 | |
14 | Ixonia BankBank | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,698Fees | 0.824%Above | 81 | |
15 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,980Fees | 0.843%Above | 16 | |
16 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,503Fees | 0.814%Above | 32 | |
17 | Flanagan State BankBank | Strong | Acceptable | Strong | Sound | Strong | $3,009Fees | 0.427%Above | 24 | |
18 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $1,874Fees | 0.688%Above | 12 | |
19 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Acceptable | $3,645Fees | 0.141%Above | 10 | |
20 | GENEVA FINANCIAL, LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Sound | $2,648Fees | 0.901%Above | 17 |
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.