Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | SEFCU SERVICES, LLCIndependent Mortgage Company | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $1,322Fees | 0.206%Below | 2,686 | |
2 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $3,704Fees | 0.243%Above | 9,211 | |
3 | HOMESTEAD FUNDING CORP.Independent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $1,620Fees | 0.125%Above | 3,576 | |
4 | KeyBank National AssociationBank | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,211Fees | 0.052%Above | 1,503 | |
5 | PREMIUM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,224Fees | 0.257%Above | 4,446 | |
6 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,220Fees | 0.268%Above | 1,294 | |
7 | HOME TOWN FUNDING, INC.Independent Mortgage Company | Exceptional | Exceptional | — | Strong | Exceptional | $991Fees | 0.070%Below | 736 | |
8 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $555Fees | 0.473%Below | 643 | |
9 | NJ LENDERS CORP.Independent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Strong | $2,896Fees | 0.104%Above | 365 | |
10 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Exceptional | $3,228Fees | 0.144%Above | 6,052 | |
11 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,854Fees | 0.406%Above | 1,702 | |
12 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,270Fees | 0.460%Above | 1,189 | |
13 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $157Fees | 0.158%Below | 967 | |
14 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,643Fees | 0.159%Above | 945 | |
15 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,403Fees | 0.596%Above | 466 | |
16 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,177Fees | 1.293%Above | 309 | |
17 | Manufacturers and Traders Trust CompanyBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,052Fees | 0.167%Above | 2,631 | |
18 | Citizens Bank, National AssociationBank | Exceptional | Strong | Strong | Sound | Exceptional | $1,115Fees | 0.093%Below | 2,366 | |
19 | NEWREZ LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,893Fees | 0.435%Above | 1,471 | |
20 | 1ST PRIORITY MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Strong | Exceptional | Exceptional | $2,275Fees | 0.230%Above | 1,401 | |
21 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,292Fees | 0.391%Above | 1,387 | |
22 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,386Fees | 0.196%Above | 1,333 | |
23 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,394Fees | 0.132%Above | 767 | |
24 | AMERICU Credit UnionCredit Union | Exceptional | Strong | Strong | Sound | Exceptional | $1,274Fees | 0.085%Above | 640 | |
25 | Five Star BankBank | Exceptional | Strong | — | Strong | Exceptional | $1,278Fees | 0.263%Above | 397 | |
26 | Northwest BankBank | Exceptional | Strong | Strong | Strong | Strong | $1,119Fees | 0.113%Above | 285 | |
27 | USAA Federal Savings BankBank | Exceptional | Strong | Exceptional | Sound | Strong | $1,906Fees | 0.105%Above | 267 | |
28 | MID-ISLAND MORTGAGE CORP.Independent Mortgage Company | Exceptional | Strong | Strong | Strong | Strong | $1,798Fees | 0.109%Above | 252 | |
29 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,170Fees | 0.505%Above | 8,480 | |
30 | Wells Fargo Bank, National AssociationBank | Strong | Sound | Exceptional | Sound | Exceptional | $1,682Fees | 0.187%Below | 2,546 | |
31 | HUNT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $3,568Fees | 0.446%Above | 906 | |
32 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $3,769Fees | 0.429%Above | 633 | |
33 | SUNMARK CREDIT UNIONCredit Union | Strong | Strong | — | Strong | Strong | $1,868Fees | 0.050%Above | 309 | |
34 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,630Fees | 0.321%Above | 4,107 | |
35 | Community Bank, National AssociationBank | Strong | Sound | Sound | Strong | Exceptional | $389Fees | 0.784%Above | 1,928 | |
36 | Genesee Regional BankBank | Strong | Acceptable | Strong | Exceptional | Exceptional | $1,911Fees | 0.504%Above | 1,480 | |
37 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,022Fees | 0.416%Above | 749 | |
38 | HOMEBRIDGE FINANCIAL SERVICES, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $4,608Fees | 0.556%Above | 366 | |
39 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,106Fees | 0.608%Above | 299 | |
40 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,538Fees | 0.448%Above | 870 | |
41 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,774Fees | 0.515%Above | 767 | |
42 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,730Fees | 0.465%Above | 703 | |
43 | CLIFFCO, INC.Independent Mortgage Company | Strong | Acceptable | Sound | Strong | Exceptional | $3,744Fees | 0.340%Above | 674 | |
44 | UNITED NORTHERN MORTGAGE BANKERS LIMITEDIndependent Mortgage Company | Strong | Acceptable | Sound | Strong | Exceptional | $3,623Fees | 0.326%Above | 670 | |
45 | EMBRACE HOME LOANS, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $2,826Fees | 0.161%Above | 547 | |
46 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $4,565Fees | 0.631%Above | 282 | |
47 | CONTOUR MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Strong | Strong | Exceptional | $3,808Fees | 0.272%Above | 1,951 | |
48 | NATIONWIDE MORTGAGE BANKERS, INC.Independent Mortgage Company | Strong | Mediocre | Strong | Strong | Exceptional | $5,081Fees | 0.488%Above | 1,568 | |
49 | UNITED MORTGAGE CORP.Independent Mortgage Company | Strong | Mediocre | Strong | Strong | Exceptional | $4,801Fees | 0.566%Above | 827 | |
50 | EVERETT FINANCIAL, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $2,883Fees | 0.483%Above | 678 |
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.