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 | $3,685Fees | 0.206%Above | 4,302 | |
2 | NJ LENDERS CORP.Independent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,814Fees | 0.023%Below | 875 | |
3 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,562Fees | 0.094%Above | 1,039 | |
4 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,907Fees | 0.181%Above | 741 | |
5 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $678Fees | 0.638%Below | 151 | |
6 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Exceptional | $3,163Fees | 0.107%Above | 4,529 | |
7 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,072Fees | 0.196%Above | 144 | |
8 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,456Fees | 0.066%Above | 1,559 | |
9 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,398Fees | 0.102%Above | 497 | |
10 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,384Fees | 0.206%Above | 2,884 | |
11 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,865Fees | 0.377%Above | 630 | |
12 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,640Fees | 0.203%Above | 2,895 | |
13 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,036Fees | 0.328%Above | 245 | |
14 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,709Fees | 0.047%Above | 223 | |
15 | UNITED NORTHERN MORTGAGE BANKERS LIMITEDIndependent Mortgage Company | Strong | Acceptable | Sound | Strong | Exceptional | $3,858Fees | 0.295%Above | 378 | |
16 | NATIONWIDE MORTGAGE BANKERS, INC.Independent Mortgage Company | Strong | Mediocre | Strong | Strong | Exceptional | $5,778Fees | 0.473%Above | 603 | |
17 | CONTOUR MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Strong | Strong | Exceptional | $4,692Fees | 0.307%Above | 488 | |
18 | BOND STREET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Sound | Sound | Exceptional | $3,120Fees | 0.254%Above | 290 | |
19 | The Federal Savings BankBank | Sound | Mediocre | Exceptional | Sound | Strong | $4,891Fees | 0.337%Above | 326 |
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.