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 | $2,298Fees | 0.416%Above | 372 | |
2 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Sound | $52Fees | 0.315%Below | 20 | |
3 | Flagstar Bank, N.A.Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,774Fees | 0.378%Above | 345 | |
4 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $2,662Fees | 0.604%Above | 32 | |
5 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,156Fees | 0.463%Above | 563 | |
6 | The Dart BankBank | Strong | Acceptable | Strong | Exceptional | Exceptional | $1,526Fees | 0.151%Above | 628 | |
7 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,491Fees | 0.870%Above | 458 | |
8 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,898Fees | 0.881%Above | 98 | |
9 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,725Fees | 0.594%Above | 68 | |
10 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,243Fees | 0.564%Above | 50 | |
11 | NEW DAY FINANCIAL, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Sound | $8,220Fees | 1.490%Above | 13 |
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.