Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | HOMESTEAD FUNDING CORP.Independent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $1,946Fees | 0.098%Above | 271 | |
2 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,521Fees | 0.391%Above | 611 | |
3 | Manufacturers and Traders Trust CompanyBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,723Fees | 0.079%Above | 94 | |
4 | KeyBank National AssociationBank | Exceptional | Exceptional | Strong | Sound | Strong | $619Fees | 0.098%Above | 60 | |
5 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $1,575Fees | 0.400%Above | 95 | |
6 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $2,322Fees | 1.211%Above | 21 | |
7 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,954Fees | 0.454%Above | 579 | |
8 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,046Fees | 0.278%Above | 244 | |
9 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,106Fees | 0.222%Above | 120 | |
10 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Sound | Exceptional | $2,600Fees | 0.298%Above | 254 | |
11 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $3,263Fees | 0.502%Above | 149 | |
12 | 1ST PRIORITY MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $3,237Fees | 0.136%Above | 63 | |
13 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Sound | $2,922Fees | 0.574%Above | 29 | |
14 | EMM LOANS LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,751Fees | 0.897%Above | 25 | |
15 | HUDSON VALLEY CREDIT UNIONCredit Union | Strong | Sound | Sound | Sound | Exceptional | $1,179Fees | 0.114%Above | 328 | |
16 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,257Fees | 0.214%Above | 70 | |
17 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,183Fees | 0.402%Above | 64 | |
18 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,198Fees | 0.447%Above | 57 | |
19 | HOMEBRIDGE FINANCIAL SERVICES, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Sound | $4,984Fees | 0.559%Above | 30 | |
20 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $4,716Fees | 0.404%Above | 27 | |
21 | MID-ISLAND MORTGAGE CORP.Independent Mortgage Company | Strong | Sound | Strong | Strong | Sound | $2,601Fees | 0.539%Above | 15 | |
22 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $2,852Fees | 0.363%Above | 424 | |
23 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,390Fees | 0.515%Above | 38 | |
24 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,818Fees | 0.711%Above | 14 | |
25 | NATIONWIDE MORTGAGE BANKERS, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $6,330Fees | 0.794%Above | 70 | |
26 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,566Fees | 0.514%Above | 66 | |
27 | CONTOUR MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,107Fees | 0.521%Above | 42 | |
28 | EAST COAST CAPITAL CORP.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Sound | $4,585Fees | 0.556%Above | 26 | |
29 | The Federal Savings BankBank | Strong | Acceptable | Exceptional | Sound | Sound | $4,132Fees | 0.467%Above | 22 | |
30 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $7,821Fees | 0.488%Above | 14 | |
31 | UNITED NORTHERN MORTGAGE BANKERS LIMITEDIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $3,649Fees | 0.541%Above | 83 | |
32 | MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP.Independent Mortgage Company | Sound | Mediocre | Strong | Strong | Sound | $5,605Fees | 0.647%Above | 28 | |
33 | CLIFFCO, INC.Independent Mortgage Company | Sound | Mediocre | Strong | Strong | Sound | $5,165Fees | 0.496%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.