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 | $2,085Fees | 0.562%Above | 2,139 | |
2 | INTERLINC MORTGAGE SERVICES, LLCIndependent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Exceptional | $2,539Fees | 0.618%Above | 355 | |
3 | Fifth Third Bank, National AssociationBank | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,337Fees | 0.263%Above | 290 | |
4 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,052Fees | 0.307%Above | 454 | |
5 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Strong | $4,121Fees | 0.131%Above | 199 | |
6 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $514Fees | 0.428%Below | 121 | |
7 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Exceptional | $1,794Fees | 0.238%Above | 404 | |
8 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,285Fees | 0.442%Above | 336 | |
9 | VICTORY MORTGAGE, L.L.C.Independent Mortgage Company | Exceptional | Strong | Strong | Strong | Exceptional | $1,554Fees | 0.281%Above | 300 | |
10 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,244Fees | 0.417%Above | 214 | |
11 | KIND LENDING, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,844Fees | 0.542%Above | 202 | |
12 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,113Fees | 0.125%Above | 160 | |
13 | Stock Yards Bank & Trust CompanyBank | Exceptional | Strong | Strong | Sound | Exceptional | $946Fees | 0.160%Above | 566 | |
14 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,645Fees | 0.439%Above | 119 | |
15 | USAA Federal Savings BankBank | Exceptional | Strong | Exceptional | Sound | Strong | $1,832Fees | 0.120%Below | 70 | |
16 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $1,592Fees | 0.163%Above | 66 | |
17 | SOUTH CENTRAL BANK, INC.Bank | Exceptional | Strong | Strong | Strong | Strong | $1,136Fees | 0.056%Above | 59 | |
18 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,427Fees | 0.376%Above | 1,372 | |
19 | Northpointe BankBank | Strong | Sound | Strong | Strong | Exceptional | $3,110Fees | 0.328%Above | 700 | |
20 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,754Fees | 0.641%Above | 433 | |
21 | Republic Bank & Trust CompanyBank | Strong | Strong | Sound | Sound | Exceptional | $1,142Fees | 0.208%Above | 370 | |
22 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,442Fees | 0.302%Above | 163 | |
23 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $2,082Fees | 0.384%Above | 146 | |
24 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,069Fees | 0.475%Above | 139 | |
25 | THE MORTGAGE WAREHOUSE,LLCIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | Strong | $1,595Fees | 0.247%Above | 124 | |
26 | German American BankBank | Strong | Strong | Strong | Sound | Strong | $802Fees | 0.218%Above | 92 | |
27 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,578Fees | 0.300%Above | 83 | |
28 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,550Fees | 0.351%Above | 82 | |
29 | Plains Commerce BankBank | Strong | Sound | Exceptional | Strong | Strong | $2,839Fees | 0.347%Above | 80 | |
30 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Exceptional | Sound | $3,042Fees | 0.222%Above | 51 | |
31 | Magnolia Bank, IncorporatedBank | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,851Fees | 0.309%Above | 487 | |
32 | STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,640Fees | 0.473%Above | 438 | |
33 | RUOFF MORTGAGE COMPANY, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,920Fees | 0.328%Above | 382 | |
34 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,753Fees | 0.512%Above | 62 | |
35 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $1,954Fees | 0.267%Above | 58 | |
36 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,383Fees | 0.506%Above | 266 | |
37 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,687Fees | 0.689%Above | 251 | |
38 | PNC Bank, National AssociationBank | Strong | Sound | Strong | Sound | Strong | $55Credit | 0.198%Above | 228 | |
39 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,553Fees | 0.358%Above | 193 | |
40 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,700Fees | 0.434%Above | 143 | |
41 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,931Fees | 0.448%Above | 99 | |
42 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,394Fees | 0.510%Above | 91 | |
43 | LibertyCredit Union | Strong | Acceptable | Strong | Strong | Strong | $1,660Fees | 0.510%Above | 159 | |
44 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $2,449Fees | 0.880%Above | 93 | |
45 | AMERISAVE MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $3,119Fees | 0.462%Above | 83 | |
46 | EVERETT FINANCIAL, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,603Fees | 0.756%Above | 83 | |
47 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $4,721Fees | 0.519%Above | 41 | |
48 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $2,489Fees | 0.694%Above | 185 |
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.