Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | MORTGAGE INVESTORS GROUP, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,609Fees | 0.217%Above | 1,596 | |
2 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $3,323Fees | 0.163%Above | 909 | |
3 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $782Fees | 0.468%Below | 104 | |
4 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,594Fees | 0.024%Above | 186 | |
5 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $3,147Fees | 0.277%Above | 127 | |
6 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,922Fees | 0.556%Above | 99 | |
7 | FirstBankBank | Exceptional | Strong | Strong | Exceptional | Strong | $2,009Fees | 0.132%Above | 90 | |
8 | FIRST COLONY MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Sound | $3,260Fees | 0.094%Above | 53 | |
9 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,397Fees | 0.292%Above | 454 | |
10 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,311Fees | 0.334%Above | 293 | |
11 | Pinnacle BankBank | Exceptional | Strong | Strong | Strong | Strong | $2,491Fees | 0.050%Above | 134 | |
12 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,688Fees | 0.322%Above | 116 | |
13 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $2,072Fees | 0.169%Above | 67 | |
14 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,248Fees | 0.289%Above | 1,012 | |
15 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,227Fees | 0.276%Above | 144 | |
16 | Gateway First BankBank | Strong | Sound | Exceptional | Strong | Strong | $3,150Fees | 0.491%Above | 89 | |
17 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,577Fees | 0.431%Above | 89 | |
18 | USAA Federal Savings BankBank | Strong | Strong | Exceptional | Sound | Sound | $2,320Fees | 0.192%Below | 52 | |
19 | United Community BankBank | Strong | Strong | Strong | Strong | Sound | $1,960Fees | 0.299%Above | 51 | |
20 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,567Fees | 0.365%Above | 386 | |
21 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,262Fees | 0.099%Above | 270 | |
22 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,450Fees | 0.337%Above | 76 | |
23 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,135Fees | 0.751%Above | 242 | |
24 | STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,257Fees | 0.295%Above | 206 | |
25 | CountybankBank | Strong | Sound | Strong | Sound | Strong | $1,092Fees | 0.198%Above | 111 | |
26 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,328Fees | 0.060%Above | 104 | |
27 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,574Fees | 0.597%Above | 98 | |
28 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,027Fees | 0.240%Above | 81 | |
29 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,291Fees | 0.287%Above | 163 | |
30 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $4,609Fees | 0.524%Above | 50 | |
31 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $3,446Fees | 0.182%Above | 37 | |
32 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $4,176Fees | 0.543%Above | 90 | |
33 | CANOPY MORTGAGE, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $4,682Fees | 0.443%Above | 40 | |
34 | AMERISAVE MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Acceptable | Strong | Sound | Sound | $5,695Fees | 0.737%Above | 32 | |
35 | NEW DAY FINANCIAL, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Sound | $5,893Fees | 0.993%Above | 29 |
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.