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 | $3,116Fees | 0.223%Below | 329 | |
2 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $550Fees | 0.515%Below | 46 | |
3 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,996Fees | 0.349%Above | 207 | |
4 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $3,320Fees | 0.200%Below | 57 | |
5 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,508Fees | 0.357%Below | 36 | |
6 | NEWREZ LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,083Fees | 0.002%Below | 140 | |
7 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,596Fees | 0.012%Below | 69 | |
8 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $3,065Fees | 0.229%Above | 35 | |
9 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,563Fees | 0.122%Above | 241 | |
10 | MLD MORTGAGE INC.Independent Mortgage Company | Strong | Strong | Strong | Strong | Sound | $3,946Fees | 0.110%Below | 27 | |
11 | USAA Federal Savings BankBank | Strong | Strong | Exceptional | Sound | Sound | $2,896Fees | 0.222%Below | 21 | |
12 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $5,276Fees | 0.173%Above | 351 | |
13 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,981Fees | 0.396%Above | 168 | |
14 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,021Fees | 0.330%Above | 96 | |
15 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,018Fees | 0.458%Above | 37 | |
16 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $4,892Fees | 0.392%Above | 23 | |
17 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,714Fees | 0.173%Below | 22 | |
18 | EVERGREEN MONEYSOURCE MORTGAGE COMPANYIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $5,103Fees | 0.625%Above | 99 | |
19 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,801Fees | 0.256%Above | 95 | |
20 | Primis Mortgage CompanyIndependent Mortgage Company | Strong | Sound | Strong | Strong | Sound | $4,814Fees | 0.255%Above | 10 | |
21 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $6,237Fees | 0.292%Above | 21 | |
22 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $6,333Fees | 0.256%Above | 43 | |
23 | MORTGAGE SOLUTIONS OF COLORADO, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Acceptable | $2,903Fees | 0.377%Above | 10 | |
24 | NOVA FINANCIAL & INVESTMENT CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $5,469Fees | 0.489%Above | 12 | |
25 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Sound | Acceptable | Exceptional | Sound | Acceptable | $8,320Fees | 0.492%Below | 10 | |
26 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Sound | $3,692Fees | 0.114%Above | 34 | |
27 | Luminate Home Loans, Inc.Independent Mortgage Company | Sound | Mediocre | Strong | Strong | Sound | $5,278Fees | 0.313%Above | 28 |
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.