Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | University BankBank | Exceptional | Strong | Strong | Exceptional | Exceptional | $3,185Fees | 0.135%Above | 160 | |
2 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,455Fees | 0.267%Above | 252 | |
3 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $3,275Fees | 0.793%Above | 116 | |
4 | Old National BankBank | Exceptional | Exceptional | Strong | Sound | Strong | $1,906Fees | 0.079%Below | 84 | |
5 | The Huntington National BankBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,807Fees | 0.359%Above | 81 | |
6 | Fifth Third Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $185Credit | 0.240%Above | 118 | |
7 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $209Fees | 0.179%Above | 59 | |
8 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $3,956Fees | 0.353%Above | 26 | |
9 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,163Fees | 0.502%Above | 709 | |
10 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,842Fees | 0.719%Above | 354 | |
11 | Centier BankBank | Strong | Strong | Sound | Sound | Exceptional | $528Fees | 0.474%Above | 269 | |
12 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,648Fees | 0.680%Above | 147 | |
13 | Horizon BankBank | Strong | Strong | Sound | Sound | Exceptional | $1,664Fees | 0.364%Above | 131 | |
14 | First Merchants BankBank | Strong | Strong | Strong | Sound | Strong | $1,476Fees | 0.319%Above | 78 | |
15 | MICHIGAN MUTUAL, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,101Fees | 0.604%Above | 63 | |
16 | TOWNE MORTGAGE COMPANYIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | Sound | $2,643Fees | 0.392%Above | 27 | |
17 | MORTGAGE ASSURANCE, INC.Independent Mortgage Company | Strong | Strong | Strong | Strong | Sound | $1,646Fees | 0.829%Above | 25 | |
18 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,427Fees | 0.456%Above | 519 | |
19 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Sound | Exceptional | $1,906Fees | 0.255%Above | 411 | |
20 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,476Fees | 0.712%Above | 288 | |
21 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,284Fees | 0.468%Above | 186 | |
22 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,740Fees | 0.406%Above | 181 | |
23 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,226Fees | 0.755%Above | 144 | |
24 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,316Fees | 0.674%Above | 103 | |
25 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $2,878Fees | 0.611%Above | 77 | |
26 | Bank of EnglandBank | Strong | Sound | Exceptional | Strong | Sound | $3,977Fees | 0.636%Above | 29 | |
27 | DIRECT MORTGAGE LOANS, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $4,799Fees | 0.773%Above | 207 | |
28 | RUOFF MORTGAGE COMPANY, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,639Fees | 0.359%Above | 143 | |
29 | AMERICAN PORTFOLIO MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,099Fees | 0.558%Above | 100 | |
30 | First Financial BankBank | Strong | Sound | Strong | Sound | Strong | $1,669Fees | 0.449%Above | 89 | |
31 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,839Fees | 0.507%Above | 58 | |
32 | Barrington Bank & Trust Company, National AssociationBank | Strong | Acceptable | Exceptional | Strong | Strong | $1,942Fees | 0.456%Above | 49 | |
33 | AMERIHOME MORTGAGE COMPANY, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $2,786Fees | 0.554%Above | 47 | |
34 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,424Fees | 0.562%Above | 34 | |
35 | DIAMOND RESIDENTIAL MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Strong | Exceptional | Exceptional | $3,169Fees | 0.745%Above | 325 | |
36 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,141Fees | 0.887%Above | 301 | |
37 | Ixonia BankBank | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,534Fees | 0.685%Above | 225 | |
38 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $2,361Fees | 0.935%Above | 152 | |
39 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,324Fees | 0.548%Above | 76 | |
40 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $4,481Fees | 0.408%Above | 59 | |
41 | PROPER RATE, LLCIndependent Mortgage Company | Strong | Sound | Sound | Sound | Strong | $1,960Fees | 0.322%Above | 54 | |
42 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $1,936Fees | 0.744%Above | 32 | |
43 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,215Fees | 0.690%Above | 27 | |
44 | CANOPY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,240Fees | 0.438%Above | 25 | |
45 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $4,014Fees | 0.952%Above | 24 | |
46 | ZILLOW HOME LOANS, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,513Fees | 0.538%Above | 20 | |
47 | MEMBER FIRST MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Sound | $2,001Fees | 0.501%Above | 20 | |
48 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $1,416Fees | 0.324%Above | 35 | |
49 | AMERISAVE MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $3,526Fees | 0.690%Above | 29 | |
50 | THE ANDERSON FINANCIAL GROUP, INC.Independent Mortgage Company | Strong | Sound | Sound | Sound | Sound | $1,584Fees | 0.418%Above | 19 |
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.