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 | $3,031Fees | 0.249%Above | 147 | |
2 | GMFS LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,163Fees | 0.202%Above | 171 | |
3 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $969Fees | 0.401%Below | 56 | |
4 | Trustmark National BankBank | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,635Fees | 0.360%Above | 276 | |
5 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $4,636Fees | 0.242%Above | 57 | |
6 | TOWNE MORTGAGE COMPANYIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,315Fees | 0.276%Above | 96 | |
7 | SWBC MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,786Fees | 0.386%Above | 80 | |
8 | HANCOCK WHITNEY BANKBank | Exceptional | Strong | Strong | Strong | Strong | $2,799Fees | 0.268%Above | 79 | |
9 | Renasant BankBank | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,283Fees | 0.410%Above | 61 | |
10 | FirstBankBank | Exceptional | Strong | Strong | Exceptional | Sound | $1,988Fees | 0.177%Above | 31 | |
11 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $2,118Fees | 0.304%Below | 27 | |
12 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,493Fees | 0.362%Above | 413 | |
13 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,988Fees | 0.456%Above | 51 | |
14 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,723Fees | 0.653%Above | 43 | |
15 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | Sound | $2,256Fees | 0.341%Above | 30 | |
16 | USAA Federal Savings BankBank | Strong | Strong | Exceptional | Sound | Sound | $1,808Fees | 0.041%Below | 21 | |
17 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,859Fees | 0.857%Above | 131 | |
18 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,624Fees | 0.600%Above | 117 | |
19 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,932Fees | 0.480%Above | 78 | |
20 | Plains Commerce BankBank | Strong | Sound | Exceptional | Strong | Sound | $2,342Fees | 0.635%Above | 29 | |
21 | EMBRACE HOME LOANS, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $3,566Fees | 0.569%Above | 215 | |
22 | STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,570Fees | 0.592%Above | 79 | |
23 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Acceptable | $2,012Fees | 0.376%Below | 10 | |
24 | GoodLeap, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Sound | $3,554Fees | 0.002%Below | 25 | |
25 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,525Fees | 0.675%Above | 21 | |
26 | MORTGAGE SOLUTIONS OF COLORADO, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,323Fees | 0.471%Above | 18 | |
27 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $3,762Fees | 0.931%Above | 82 | |
28 | PRINCETON MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Acceptable | Strong | Sound | Sound | $2,793Fees | 0.323%Above | 24 | |
29 | NEW DAY FINANCIAL, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Sound | $4,006Fees | 1.345%Above | 17 |
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.