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 | $4,050Fees | 0.142%Above | 2,441 | |
2 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,438Fees | 0.266%Above | 421 | |
3 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $3,571Fees | 0.029%Above | 174 | |
4 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Sound | $290Fees | 0.657%Below | 77 | |
5 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,658Fees | 0.090%Above | 352 | |
6 | MID-ISLAND MORTGAGE CORP.Independent Mortgage Company | Exceptional | Strong | Strong | Strong | Strong | $1,702Fees | 0.037%Above | 156 | |
7 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $5,039Fees | 1.007%Above | 78 | |
8 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $5,075Fees | 0.236%Above | 1,401 | |
9 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,281Fees | 0.338%Above | 357 | |
10 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,964Fees | 0.345%Above | 299 | |
11 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,302Fees | 0.179%Above | 229 | |
12 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,753Fees | 0.326%Above | 904 | |
13 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,980Fees | 0.433%Above | 495 | |
14 | EMBRACE HOME LOANS, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $2,773Fees | 0.148%Above | 464 | |
15 | CLIFFCO, INC.Independent Mortgage Company | Strong | Acceptable | Sound | Strong | Exceptional | $4,091Fees | 0.333%Above | 419 | |
16 | CONTOUR MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Strong | Strong | Exceptional | $3,630Fees | 0.254%Above | 1,411 | |
17 | NATIONWIDE MORTGAGE BANKERS, INC.Independent Mortgage Company | Strong | Mediocre | Strong | Strong | Exceptional | $4,793Fees | 0.450%Above | 937 | |
18 | UNITED MORTGAGE CORP.Independent Mortgage Company | Strong | Mediocre | Strong | Strong | Exceptional | $4,584Fees | 0.545%Above | 521 | |
19 | The Federal Savings BankBank | Sound | Mediocre | Exceptional | Sound | Strong | $5,662Fees | 0.466%Above | 276 | |
20 | JET DIRECT FUNDING CORPIndependent Mortgage Company | Sound | Mediocre | — | Sound | Strong | $6,221Fees | 0.313%Above | 170 |
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.