Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Univest Bank and Trust Co.Bank | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,762Fees | 0.185%Above | 206 | |
2 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,832Fees | 0.257%Above | 738 | |
3 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,077Fees | 0.068%Above | 1,068 | |
4 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Exceptional | $1,997Fees | 0.187%Above | 510 | |
5 | Mortgage America, Inc.Independent Mortgage Company | Exceptional | Strong | Strong | Strong | Exceptional | $2,051Fees | 0.138%Above | 400 | |
6 | KEYSTONE FUNDING, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,351Fees | 0.272%Above | 288 | |
7 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,105Fees | 0.158%Above | 177 | |
8 | First Citizens Community BankBank | Exceptional | Strong | Strong | Strong | Exceptional | $2,413Fees | 0.152%Above | 160 | |
9 | Filo Mortgage, L.L.C.Independent Mortgage Company | Exceptional | Exceptional | Strong | Sound | Strong | $1,611Fees | 0.116%Above | 68 | |
10 | SOFI BANK, NATIONAL ASSOCIATIONBank | Exceptional | Exceptional | Strong | Sound | Sound | $455Fees | 0.131%Above | 46 | |
11 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,620Fees | 0.238%Above | 1,398 | |
12 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,069Fees | 0.252%Above | 256 | |
13 | Citizens Bank, National AssociationBank | Strong | Strong | Strong | Sound | Strong | $1,477Fees | 0.022%Below | 232 | |
14 | NATIONS DIRECT MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,953Fees | 0.327%Above | 183 | |
15 | MERIDIAN BANKBank | Strong | Sound | Exceptional | Strong | Strong | $2,269Fees | 0.155%Above | 171 | |
16 | ALLIED MORTGAGE GROUP, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,961Fees | 0.287%Above | 160 | |
17 | EMM LOANS LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,674Fees | 0.299%Above | 141 | |
18 | FIRST COLONY MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,774Fees | 0.138%Above | 99 | |
19 | Advisors Mortgage Group, L.L.C.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,233Fees | 0.360%Above | 84 | |
20 | PIKE CREEK MORTGAGE SERVICES, INC.Independent Mortgage Company | Strong | Sound | Strong | Exceptional | Strong | $4,466Fees | 0.229%Above | 76 | |
21 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,076Fees | 0.016%Above | 812 | |
22 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,035Fees | 0.248%Above | 551 | |
23 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,047Fees | 0.255%Above | 513 | |
24 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,931Fees | 0.218%Above | 241 | |
25 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $3,270Fees | 0.330%Above | 212 | |
26 | Philadelphia Mortgage Advisors, Inc.Independent Mortgage Company | Strong | Sound | Sound | Strong | Exceptional | $3,582Fees | 0.005%Below | 143 | |
27 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,934Fees | 0.335%Above | 140 | |
28 | Mid Penn BankBank | Strong | Strong | Sound | Sound | Strong | $1,219Fees | 0.219%Above | 89 | |
29 | NJ LENDERS CORP.Independent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $4,072Fees | 0.227%Above | 59 | |
30 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Sound | $3,460Fees | 0.278%Above | 58 | |
31 | GREENTREE MORTGAGE COMPANY, L.P.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,292Fees | 0.371%Above | 57 | |
32 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $1,745Fees | 0.252%Above | 54 | |
33 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,279Fees | 0.275%Above | 176 | |
34 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,630Fees | 0.157%Above | 128 | |
35 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,631Fees | 0.210%Above | 81 | |
36 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,056Fees | 0.295%Above | 1,406 | |
37 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $4,357Fees | 0.362%Above | 56 | |
38 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,625Fees | 0.314%Above | 48 | |
39 | AMERIHOME MORTGAGE COMPANY, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Sound | $3,788Fees | 0.181%Above | 41 | |
40 | LENDING CAPITAL GROUP IncIndependent Mortgage Company | Strong | Mediocre | Strong | Strong | Exceptional | $3,643Fees | 0.438%Above | 210 | |
41 | SUCCESS MORTGAGE PARTNERS, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,492Fees | 0.071%Above | 157 | |
42 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,435Fees | 0.335%Above | 136 | |
43 | PRINCETON MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $3,502Fees | 0.252%Above | 79 | |
44 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,950Fees | 0.479%Above | 73 | |
45 | ABSOLUTE HOME MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,884Fees | 0.236%Above | 53 | |
46 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $2,191Fees | 0.155%Above | 50 | |
47 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $3,267Fees | 0.417%Above | 231 | |
48 | GO MORTGAGE, LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $4,826Fees | 0.472%Above | 74 |
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.