Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Old National BankBank | Exceptional | Exceptional | Strong | Sound | Strong | $930Fees | 0.149%Above | 66 | |
2 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,935Fees | 0.504%Above | 163 | |
3 | First Merchants BankBank | Exceptional | Strong | Strong | Sound | Exceptional | $1,763Fees | 0.236%Above | 124 | |
4 | The Huntington National BankBank | Exceptional | Strong | Exceptional | Strong | Sound | $543Fees | 0.401%Above | 42 | |
5 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $2,229Fees | 0.332%Above | 32 | |
6 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $1,462Fees | 0.445%Above | 26 | |
7 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,228Fees | 0.431%Above | 191 | |
8 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,068Fees | 0.567%Above | 189 | |
9 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Exceptional | Sound | $7,219Fees | 0.169%Above | 31 | |
10 | GoodLeap, LLCIndependent Mortgage Company | Strong | Strong | Exceptional | Sound | Sound | $5,356Fees | 0.269%Above | 20 | |
11 | RUOFF MORTGAGE COMPANY, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,871Fees | 0.443%Above | 169 | |
12 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $3,522Fees | 0.728%Above | 19 | |
13 | Regions BankBank | Strong | Sound | Exceptional | Sound | Sound | $2,433Fees | 0.393%Above | 41 | |
14 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Sound | $3,033Fees | 0.428%Above | 38 | |
15 | MJW FINANCIAL LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Sound | $2,245Fees | 0.528%Above | 23 | |
16 | HALLMARK HOME MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $1,823Fees | 0.720%Above | 50 | |
17 | STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,466Fees | 0.462%Above | 37 | |
18 | FAIR WAY LENDING LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $2,725Fees | 0.905%Above | 29 | |
19 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,310Fees | 0.381%Above | 29 | |
20 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,728Fees | 0.750%Above | 20 | |
21 | CALCON MUTUAL MORTGAGE LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,176Fees | 0.714%Above | 49 | |
22 | Flanagan State BankBank | Strong | Acceptable | Strong | Strong | Sound | $3,423Fees | 1.045%Above | 26 | |
23 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $4,801Fees | 0.465%Above | 16 | |
24 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $3,047Fees | 0.800%Above | 14 | |
25 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $4,870Fees | 0.304%Above | 13 | |
26 | AMERISAVE MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Acceptable | Exceptional | Sound | Acceptable | $861Credit | 1.215%Above | 10 | |
27 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Sound | $2,768Fees | 0.354%Above | 21 | |
28 | Wolfe Financial, IncIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Sound | $1,889Fees | 1.070%Above | 11 |
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.