Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | The Dart BankBank | Exceptional | Strong | Strong | Strong | Exceptional | $1,526Fees | 0.151%Above | 628 | |
2 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,298Fees | 0.416%Above | 372 | |
3 | The Huntington National BankBank | Exceptional | Strong | Exceptional | Strong | Strong | $293Fees | 0.350%Above | 103 | |
4 | Independent BankBank | Exceptional | Exceptional | Strong | Sound | Strong | $1,207Fees | 0.230%Above | 44 | |
5 | FBC MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Sound | $2,330Fees | 0.544%Above | 31 | |
6 | Flagstar Bank, N.A.Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,774Fees | 0.378%Above | 345 | |
7 | Fifth Third Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $616Fees | 0.549%Above | 110 | |
8 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $2,662Fees | 0.604%Above | 32 | |
9 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,156Fees | 0.463%Above | 563 | |
10 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,491Fees | 0.870%Above | 458 | |
11 | Northpointe BankBank | Strong | Sound | Exceptional | Strong | Strong | $2,383Fees | 0.363%Above | 57 | |
12 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Strong | Exceptional | Sound | Sound | $1,424Fees | 0.422%Above | 33 | |
13 | TOWNE MORTGAGE COMPANYIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | Sound | $2,125Fees | 0.455%Above | 11 | |
14 | EMM LOANS LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $3,555Fees | 0.667%Above | 36 | |
15 | MICHIGAN MUTUAL, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,697Fees | 0.782%Above | 25 | |
16 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,733Fees | 0.421%Above | 24 | |
17 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Sound | Strong | $2,018Fees | 0.288%Above | 81 | |
18 | VAN DYK MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $806Fees | 0.414%Above | 51 | |
19 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,511Fees | 0.454%Above | 37 | |
20 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Sound | $3,007Fees | 0.473%Above | 20 | |
21 | EVERETT FINANCIAL, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,329Fees | 0.444%Above | 78 | |
22 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,637Fees | 0.523%Above | 33 | |
23 | AMERICAN PORTFOLIO MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $1,555Fees | 0.470%Above | 27 | |
24 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $4,428Fees | 0.641%Above | 25 | |
25 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,193Fees | 0.558%Above | 24 | |
26 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,725Fees | 0.594%Above | 68 | |
27 | MORTGAGE 1 INCORPORATEDIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $2,657Fees | 0.585%Above | 51 | |
28 | J. VIRGIL, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Sound | $2,914Fees | 0.825%Above | 22 | |
29 | AMERISAVE MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $3,595Fees | 1.353%Above | 16 | |
30 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $4,956Fees | 0.342%Above | 13 | |
31 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $3,243Fees | 0.564%Above | 50 | |
32 | SUCCESS MORTGAGE PARTNERS, INC.Independent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $3,970Fees | 0.560%Above | 29 | |
33 | PRESTON HOME LOANS INCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $3,675Fees | 0.726%Above | 18 | |
34 | MORTGAGE CENTER L.CIndependent Mortgage Company | Sound | Mediocre | Strong | Sound | Strong | $1,128Fees | 0.258%Above | 87 | |
35 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Sound | $2,523Fees | 0.871%Above | 41 |
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.