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 | $2,956Fees | 0.033%Above | 191 | |
2 | Citizens Bank of Las CrucesBank | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,360Fees | 0.276%Above | 237 | |
3 | Rocky Mountain Mortgage CompanyIndependent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Strong | $1,658Fees | 0.221%Below | 73 | |
4 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $675Fees | 0.461%Below | 41 | |
5 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,517Fees | 0.280%Above | 73 | |
6 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $2,322Fees | 0.289%Above | 27 | |
7 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $1,080Fees | 0.024%Below | 21 | |
8 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,358Fees | 0.468%Above | 216 | |
9 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Exceptional | Sound | $4,841Fees | 0.178%Above | 24 | |
10 | USAA Federal Savings BankBank | Strong | Strong | Exceptional | Sound | Sound | $2,765Fees | 0.233%Below | 21 | |
11 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,260Fees | 0.003%Below | 148 | |
12 | SUN AMERICAN MORTGAGE COMPANYIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $1,272Fees | 0.240%Above | 36 | |
13 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $3,459Fees | 0.282%Above | 34 | |
14 | Plains Commerce BankBank | Strong | Sound | Exceptional | Strong | Sound | $2,397Fees | 0.236%Above | 30 | |
15 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,557Fees | 0.617%Above | 102 | |
16 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Sound | $3,612Fees | 0.628%Above | 21 | |
17 | Commerce Home Mortgage, Inc.Independent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $3,299Fees | 0.622%Above | 60 | |
18 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $3,207Fees | 0.693%Above | 46 | |
19 | The Federal Savings BankBank | Sound | Mediocre | Exceptional | Sound | Sound | $5,420Fees | 0.537%Above | 12 | |
20 | NEW DAY FINANCIAL, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Sound | $627Fees | 0.011%Above | 11 |
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.