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 | $2,686Fees | 0.168%Above | 188 | |
2 | FBC MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Exceptional | Exceptional | Exceptional | Sound | $2,600Fees | 0.147%Above | 26 | |
3 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,953Fees | 0.498%Above | 366 | |
4 | Peoples Exchange BankBank | Exceptional | Exceptional | Sound | Sound | Exceptional | $812Fees | 0.036%Below | 99 | |
5 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $472Fees | 0.164%Above | 91 | |
6 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,221Fees | 0.461%Above | 64 | |
7 | REPUBLIC STATE MORTGAGE CO.Independent Mortgage Company | Exceptional | Strong | Strong | Exceptional | Strong | $2,963Fees | 0.448%Above | 62 | |
8 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,965Fees | 0.240%Above | 52 | |
9 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Sound | $885Fees | 0.489%Below | 39 | |
10 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,549Fees | 0.367%Above | 489 | |
11 | Bank of EnglandBank | Strong | Sound | Strong | Strong | Exceptional | $3,075Fees | 0.451%Above | 156 | |
12 | USAA Federal Savings BankBank | Strong | Strong | Exceptional | Sound | Sound | $1,674Fees | 0.169%Below | 32 | |
13 | STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,234Fees | 0.236%Above | 484 | |
14 | Guardian Savings BankBank | Strong | Sound | Sound | Strong | Exceptional | $1,246Fees | 0.156%Above | 289 | |
15 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,891Fees | 0.136%Above | 55 | |
16 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $3,281Fees | 0.305%Above | 33 | |
17 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,451Fees | 0.165%Above | 100 | |
18 | GENEVA FINANCIAL, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $3,073Fees | 0.317%Above | 92 | |
19 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $4,077Fees | 0.326%Above | 38 | |
20 | Magnolia Bank, IncorporatedBank | Strong | Acceptable | Exceptional | Strong | Sound | $1,646Fees | 0.511%Above | 22 | |
21 | Ixonia BankBank | Strong | Mediocre | Exceptional | Strong | Strong | $2,752Fees | 0.581%Above | 58 | |
22 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $6,215Fees | 0.411%Above | 21 | |
23 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $3,260Fees | 0.588%Above | 112 | |
24 | The Federal Savings BankBank | Sound | Mediocre | Exceptional | Sound | Sound | $2,198Fees | 0.434%Above | 22 | |
25 | NEW DAY FINANCIAL, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Sound | $4,619Fees | 1.519%Above | 20 |
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.