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 | $3,057Fees | 0.136%Above | 205 | |
2 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $854Fees | 0.355%Below | 78 | |
3 | Trustmark National BankBank | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,647Fees | 0.206%Above | 359 | |
4 | Renasant BankBank | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,457Fees | 0.176%Above | 205 | |
5 | GMFS LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,041Fees | 0.270%Above | 63 | |
6 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,071Fees | 0.017%Below | 52 | |
7 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $3,521Fees | 0.367%Above | 47 | |
8 | First Federal BankBank | Exceptional | Exceptional | Exceptional | Sound | Sound | $1,124Fees | 0.472%Above | 18 | |
9 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,993Fees | 0.311%Above | 125 | |
10 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,133Fees | 0.563%Above | 95 | |
11 | USAA Federal Savings BankBank | Exceptional | Strong | Exceptional | Sound | Strong | $1,646Fees | 0.195%Below | 44 | |
12 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $3,744Fees | 0.264%Above | 34 | |
13 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,655Fees | 0.507%Above | 273 | |
14 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $1,838Fees | 0.507%Above | 261 | |
15 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,694Fees | 0.401%Above | 54 | |
16 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,643Fees | 0.314%Above | 47 | |
17 | TOWNE MORTGAGE COMPANYIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | Sound | $2,301Fees | 0.244%Above | 36 | |
18 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,045Fees | 0.418%Above | 493 | |
19 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,331Fees | 0.397%Above | 289 | |
20 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,067Fees | 0.512%Above | 60 | |
21 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,976Fees | 0.384%Above | 40 | |
22 | SouthPoint BankBank | Strong | Sound | Strong | Strong | Sound | $1,559Fees | 0.035%Above | 25 | |
23 | MORTGAGE SOLUTIONS OF COLORADO, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $1,903Fees | 0.602%Above | 15 | |
24 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $4,787Fees | 0.264%Above | 23 | |
25 | NEW DAY FINANCIAL, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Sound | $3,530Fees | 1.027%Above | 35 | |
26 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Sound | $2,953Fees | 0.580%Above | 27 |
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.