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 | $3,187Fees | 0.067%Above | 521 | |
2 | MORTGAGE INVESTORS GROUP, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,591Fees | 0.190%Above | 312 | |
3 | Eagle Bank and Trust CompanyBank | Exceptional | Strong | Strong | Exceptional | Exceptional | $3,142Fees | 0.296%Above | 272 | |
4 | First Horizon BankBank | Exceptional | Exceptional | Strong | Strong | Strong | $1,343Fees | 0.086%Above | 241 | |
5 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,366Fees | 0.420%Below | 191 | |
6 | Pinnacle BankBank | Exceptional | Strong | Strong | Strong | Exceptional | $2,324Fees | 0.096%Above | 402 | |
7 | Patriot BankBank | Exceptional | Strong | Strong | Strong | Exceptional | $1,296Fees | 0.027%Below | 399 | |
8 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $3,847Fees | 0.296%Above | 363 | |
9 | Trustmark National BankBank | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,143Fees | 0.219%Above | 335 | |
10 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $3,184Fees | 0.276%Above | 191 | |
11 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,152Fees | 0.044%Below | 185 | |
12 | BARTLETT MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Strong | Exceptional | Exceptional | $1,967Fees | 0.230%Above | 195 | |
13 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $4,458Fees | 0.461%Above | 100 | |
14 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $4,179Fees | 0.456%Above | 95 | |
15 | SWBC MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,272Fees | 0.495%Above | 85 | |
16 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $128Fees | 0.693%Above | 40 | |
17 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,241Fees | 0.380%Above | 1,095 | |
18 | Cadence BankBank | Strong | Sound | Strong | Strong | Exceptional | $2,250Fees | 0.001%Above | 421 | |
19 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,851Fees | 0.410%Above | 130 | |
20 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,836Fees | 0.419%Above | 97 | |
21 | USAA Federal Savings BankBank | Strong | Strong | Exceptional | Sound | Sound | $1,635Fees | 0.109%Below | 53 | |
22 | COMMUNITY MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | Exceptional | $3,263Fees | 0.210%Above | 1,062 | |
23 | Evolve Bank & TrustBank | Strong | Sound | Strong | Strong | Strong | $2,288Fees | 0.220%Above | 181 | |
24 | Leaders Credit UnionCredit Union | Strong | Sound | Strong | Strong | Strong | $800Fees | 0.124%Above | 152 | |
25 | Bank of EnglandBank | Strong | Sound | Strong | Strong | Strong | $2,655Fees | 0.213%Above | 104 | |
26 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,625Fees | 0.632%Above | 81 | |
27 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,303Fees | 0.582%Above | 62 | |
28 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,939Fees | 0.368%Above | 52 | |
29 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $310Fees | 0.850%Above | 319 | |
30 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,401Fees | 0.627%Above | 274 | |
31 | Regions BankBank | Strong | Sound | Strong | Sound | Strong | $1,957Fees | 0.462%Above | 240 | |
32 | STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,729Fees | 0.525%Above | 141 | |
33 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,145Fees | 0.478%Above | 100 | |
34 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,672Fees | 0.246%Below | 82 | |
35 | Nations Lending CorporationIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $2,700Fees | 0.553%Above | 184 | |
36 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $3,504Fees | 0.721%Above | 75 | |
37 | SOUTHWEST FUNDING, LPIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $4,947Fees | 0.911%Above | 66 | |
38 | Wolfe Financial, IncIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $4,199Fees | 0.430%Above | 58 | |
39 | EVERETT FINANCIAL, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $5,359Fees | 0.712%Above | 97 | |
40 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $4,501Fees | 0.528%Above | 64 | |
41 | ACOPIA, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Sound | $4,404Fees | 0.166%Above | 44 | |
42 | ENVOY MORTGAGE, LTDIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $3,077Fees | 0.345%Above | 28 | |
43 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $3,397Fees | 0.599%Above | 135 | |
44 | Independent BankBank | Sound | Acceptable | — | Sound | Strong | $2,320Fees | 0.386%Above | 110 | |
45 | AMERISAVE MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Acceptable | Strong | Sound | Sound | $5,619Fees | 0.392%Above | 43 | |
46 | NEW DAY FINANCIAL, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Sound | $5,393Fees | 1.417%Above | 44 | |
47 | The Federal Savings BankBank | Sound | Mediocre | Exceptional | Sound | Sound | $3,381Fees | 0.575%Above | 28 |
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.