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 | Strong | Exceptional | $2,404Fees | 0.296%Above | 5,780 | |
2 | Fifth Third Bank, National AssociationBank | Exceptional | Exceptional | Strong | Sound | Exceptional | $610Fees | 0.329%Above | 3,118 | |
3 | RUOFF MORTGAGE COMPANY, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,213Fees | 0.372%Above | 1,958 | |
4 | NEWREZ LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,861Fees | 0.535%Above | 1,398 | |
5 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Sound | Exceptional | $1,057Fees | 0.311%Above | 1,603 | |
6 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,154Fees | 0.448%Above | 298 | |
7 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,000Fees | 0.461%Above | 999 | |
8 | EQUITY RESOURCES, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,605Fees | 0.389%Above | 728 | |
9 | The Huntington National BankBank | Strong | Sound | Exceptional | Sound | Exceptional | $299Fees | 0.429%Above | 8,206 | |
10 | Union Savings BankBank | Strong | Sound | Strong | Strong | Exceptional | $984Fees | 0.172%Above | 3,119 | |
11 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,777Fees | 0.642%Above | 455 | |
12 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,386Fees | 0.294%Above | 2,530 | |
13 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,803Fees | 0.616%Above | 1,789 | |
14 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Sound | Strong | $2,341Fees | 0.583%Above | 642 | |
15 | The Union Bank CompanyBank | Strong | Strong | — | Sound | Strong | $1,024Fees | 0.221%Above | 274 | |
16 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Exceptional | $1,522Fees | 0.698%Above | 2,573 | |
17 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Exceptional | $2,299Fees | 0.566%Above | 1,927 | |
18 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,635Fees | 0.591%Above | 1,028 | |
19 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,186Fees | 0.547%Above | 552 | |
20 | Nations Lending CorporationIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,137Fees | 0.514%Above | 512 | |
21 | WesBanco Bank, Inc.Bank | Strong | Sound | Strong | Sound | Strong | $1,462Fees | 0.199%Above | 414 | |
22 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,360Fees | 0.722%Above | 8,629 | |
23 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,254Fees | 0.761%Above | 3,651 | |
24 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Sound | Exceptional | $3,704Fees | 0.644%Above | 2,434 | |
25 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,004Fees | 0.585%Above | 2,217 | |
26 | HOWARD HANNA FINANCIAL SERVICES, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Sound | Exceptional | $2,332Fees | 0.349%Above | 1,621 | |
27 | POLARIS HOME FUNDING CORP.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,591Fees | 0.761%Above | 670 | |
28 | BAYSHORE MORTGAGE FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $2,921Fees | 0.588%Above | 293 | |
29 | Ixonia BankBank | Strong | Mediocre | Exceptional | Strong | Strong | $3,422Fees | 0.871%Above | 890 | |
30 | DAS Acquisition Company, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,790Fees | 0.697%Above | 855 | |
31 | Synergy One Lending, Inc.Independent Mortgage Company | Strong | Acceptable | Sound | Sound | Exceptional | $3,266Fees | 0.544%Above | 850 | |
32 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $2,835Fees | 0.529%Above | 389 | |
33 | NATIONS RELIABLE LENDING, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,146Fees | 0.621%Above | 284 | |
34 | LIBERTY HOME MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Strong | Sound | Exceptional | $3,253Fees | 0.866%Above | 652 | |
35 | RAPID MORTGAGE COMPANYIndependent Mortgage Company | Sound | Mediocre | Strong | Sound | Exceptional | $3,835Fees | 0.680%Above | 625 | |
36 | Click n' Close, Inc.Independent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $5,349Fees | 1.651%Above | 534 | |
37 | GO MORTGAGE, LLCIndependent Mortgage Company | Sound | Mediocre | Sound | Acceptable | Strong | $2,781Fees | 0.570%Above | 454 |
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.