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 | $2,077Fees | 0.068%Above | 1,068 | |
2 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $3,076Fees | 0.016%Above | 812 | |
3 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,832Fees | 0.257%Above | 738 | |
4 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,997Fees | 0.187%Above | 510 | |
5 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $592Fees | 0.519%Below | 155 | |
6 | NBKC BANKBank | Exceptional | Exceptional | Exceptional | Strong | Sound | $401Fees | 0.184%Below | 45 | |
7 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,035Fees | 0.248%Above | 551 | |
8 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,047Fees | 0.255%Above | 513 | |
9 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,105Fees | 0.158%Above | 177 | |
10 | KEYSTONE FUNDING, INC.Independent Mortgage Company | Exceptional | Sound | Strong | Exceptional | Exceptional | $2,351Fees | 0.272%Above | 288 | |
11 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,620Fees | 0.238%Above | 1,398 | |
12 | Mortgage America, Inc.Independent Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $2,051Fees | 0.138%Above | 400 | |
13 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,069Fees | 0.252%Above | 256 | |
14 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,270Fees | 0.330%Above | 212 | |
15 | Univest Bank and Trust Co.Bank | Strong | Sound | Strong | Strong | Exceptional | $1,762Fees | 0.185%Above | 206 | |
16 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,631Fees | 0.210%Above | 81 | |
17 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,056Fees | 0.295%Above | 1,406 | |
18 | MERIDIAN BANKBank | Strong | Sound | Strong | Strong | Strong | $2,269Fees | 0.155%Above | 171 | |
19 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,934Fees | 0.335%Above | 140 | |
20 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,175Fees | 0.150%Above | 97 | |
21 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,931Fees | 0.218%Above | 241 | |
22 | NATIONS DIRECT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,953Fees | 0.327%Above | 183 | |
23 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,279Fees | 0.275%Above | 176 | |
24 | EMM LOANS LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,674Fees | 0.299%Above | 141 | |
25 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,435Fees | 0.335%Above | 136 | |
26 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,696Fees | 0.249%Above | 101 | |
27 | ALLIED MORTGAGE GROUP, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $2,961Fees | 0.287%Above | 160 | |
28 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $3,267Fees | 0.417%Above | 231 | |
29 | SUCCESS MORTGAGE PARTNERS, INC.Independent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $4,492Fees | 0.071%Above | 157 |
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.