Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $1,541Fees | 0.238%Above | 542 | |
2 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,890Fees | 0.307%Above | 451 | |
3 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $388Fees | 0.376%Below | 74 | |
4 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,572Fees | 0.417%Above | 96 | |
5 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,320Fees | 0.553%Above | 54 | |
6 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,340Fees | 0.403%Above | 150 | |
7 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,306Fees | 0.364%Above | 407 | |
8 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,722Fees | 0.660%Above | 275 | |
9 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,226Fees | 0.575%Above | 90 | |
10 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,534Fees | 0.605%Above | 65 | |
11 | USAA Federal Savings BankBank | Strong | Strong | Exceptional | Sound | Sound | $2,687Fees | 0.248%Below | 17 | |
12 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,560Fees | 0.526%Above | 427 | |
13 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,063Fees | 1.278%Above | 112 | |
14 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,382Fees | 0.175%Above | 82 | |
15 | Barrington Bank & Trust Company, National AssociationBank | Strong | Mediocre | Exceptional | Strong | Exceptional | $1,688Fees | 0.447%Above | 329 | |
16 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,475Fees | 0.674%Above | 177 | |
17 | DIAMOND RESIDENTIAL MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Strong | Exceptional | Exceptional | $3,085Fees | 0.661%Above | 92 | |
18 | The Federal Savings BankBank | Sound | Mediocre | Exceptional | Sound | Strong | $3,223Fees | 0.977%Above | 58 |
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.