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 | $2,431Fees | 0.368%Above | 1,309 | |
2 | The Camden National BankBank | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,038Fees | 0.079%Above | 647 | |
3 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $425Fees | 0.356%Below | 138 | |
4 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,309Fees | 0.415%Above | 1,169 | |
5 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,882Fees | 0.296%Above | 128 | |
6 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,067Fees | 0.559%Above | 122 | |
7 | Bangor Savings BankBank | Exceptional | Strong | Strong | Sound | Exceptional | $1,277Fees | 0.104%Below | 1,178 | |
8 | HARBORONE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Strong | Strong | Strong | $2,279Fees | 0.264%Above | 198 | |
9 | USAA Federal Savings BankBank | Exceptional | Strong | Exceptional | Sound | Strong | $2,067Fees | 0.155%Below | 86 | |
10 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $1,616Fees | 0.090%Below | 74 | |
11 | KIND LENDING, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $2,060Fees | 0.293%Above | 67 | |
12 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,307Fees | 0.448%Above | 1,010 | |
13 | NORTHPOINT MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $2,714Fees | 0.368%Above | 263 | |
14 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,430Fees | 0.372%Above | 178 | |
15 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,265Fees | 0.281%Above | 157 | |
16 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,686Fees | 0.628%Above | 135 | |
17 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,750Fees | 0.370%Above | 1,122 | |
18 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,945Fees | 0.212%Above | 376 | |
19 | CUSO MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Sound | Exceptional | $1,605Fees | 0.282%Above | 255 | |
20 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,196Fees | 0.776%Above | 136 | |
21 | NORWICH COMMERCIAL GROUP, INC.Independent Mortgage Company | Strong | Strong | Strong | Sound | Sound | $1,823Fees | 0.355%Above | 35 | |
22 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,365Fees | 0.450%Above | 352 | |
23 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,081Fees | 0.438%Above | 253 | |
24 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,699Fees | 0.398%Above | 124 | |
25 | HOMEBRIDGE FINANCIAL SERVICES, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Sound | $2,603Fees | 0.542%Above | 40 | |
26 | EMM LOANS LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,105Fees | 0.513%Above | 50 | |
27 | TOTAL MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Mediocre | Strong | Exceptional | Strong | $3,621Fees | 0.580%Above | 260 | |
28 | LEADERONE FINANCIAL CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $2,878Fees | 0.594%Above | 197 | |
29 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $5,604Fees | 0.320%Above | 34 | |
30 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $2,041Fees | 0.441%Above | 229 | |
31 | AMERISAVE MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Acceptable | Strong | Sound | Sound | $3,349Fees | 0.624%Above | 53 | |
32 | NEW DAY FINANCIAL, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Sound | $5,532Fees | 1.350%Above | 56 | |
33 | The Federal Savings BankBank | Sound | Mediocre | Exceptional | Sound | Sound | $3,030Fees | 0.323%Above | 38 |
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.