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 | $2,026Fees | 0.163%Above | 1,644 | |
2 | NJ LENDERS CORP.Independent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,746Fees | 0.021%Above | 502 | |
3 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,784Fees | 0.095%Above | 731 | |
4 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,809Fees | 0.258%Above | 517 | |
5 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $389Fees | 0.453%Below | 124 | |
6 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Exceptional | $2,212Fees | 0.068%Above | 527 | |
7 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,580Fees | 0.356%Above | 448 | |
8 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,614Fees | 0.468%Above | 419 | |
9 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,925Fees | 0.059%Above | 274 | |
10 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,351Fees | 0.180%Above | 242 | |
11 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,471Fees | 0.276%Above | 199 | |
12 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,497Fees | 0.202%Above | 592 | |
13 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,334Fees | 0.193%Above | 2,121 | |
14 | Advisors Mortgage Group, L.L.C.Independent Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $2,168Fees | 0.246%Above | 985 | |
15 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,301Fees | 0.420%Above | 630 | |
16 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,086Fees | 0.345%Above | 337 | |
17 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,092Fees | 0.517%Above | 296 | |
18 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $457Fees | 0.131%Below | 127 | |
19 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,110Fees | 0.320%Above | 1,433 | |
20 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,570Fees | 0.246%Above | 209 | |
21 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,259Fees | 0.968%Above | 118 | |
22 | EMBRACE HOME LOANS, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $2,416Fees | 0.328%Above | 181 | |
23 | ABSOLUTE HOME MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Strong | Strong | Exceptional | $3,217Fees | 0.347%Above | 399 | |
24 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $5,605Fees | 0.838%Above | 63 | |
25 | BOND STREET MORTGAGE, LLCIndependent Mortgage Company | Sound | Acceptable | Sound | Sound | Strong | $2,582Fees | 0.298%Above | 160 | |
26 | The Federal Savings BankBank | Sound | Mediocre | Exceptional | Sound | Strong | $4,151Fees | 0.334%Above | 146 |
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.