Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | FBC MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Exceptional | Exceptional | Exceptional | Strong | $2,988Fees | 0.007%Below | 161 | |
2 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $3,157Fees | 0.149%Above | 1,253 | |
3 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $681Fees | 0.548%Below | 172 | |
4 | NBKC BANKBank | Exceptional | Exceptional | Exceptional | Strong | Sound | $641Fees | 0.361%Below | 25 | |
5 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,425Fees | 0.011%Above | 199 | |
6 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,401Fees | 0.150%Above | 167 | |
7 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $763Fees | 0.029%Below | 92 | |
8 | First Heritage Mortgage, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,159Fees | 0.468%Below | 80 | |
9 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,194Fees | 0.444%Above | 71 | |
10 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,393Fees | 0.253%Above | 68 | |
11 | USAA Federal Savings BankBank | Exceptional | Strong | Exceptional | Sound | Strong | $1,292Fees | 0.123%Below | 54 | |
12 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $2,106Fees | 0.192%Above | 51 | |
13 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $1,104Credit | 0.368%Above | 43 | |
14 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $2,780Fees | 0.170%Above | 24 | |
15 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,255Fees | 0.243%Above | 743 | |
16 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,384Fees | 0.300%Above | 173 | |
17 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $3,001Fees | 0.289%Above | 138 | |
18 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,577Fees | 0.312%Above | 119 | |
19 | Plains Commerce BankBank | Strong | Sound | Exceptional | Strong | Strong | $2,953Fees | 0.412%Above | 95 | |
20 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,450Fees | 0.052%Above | 56 | |
21 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,915Fees | 0.596%Above | 54 | |
22 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,013Fees | 0.339%Above | 423 | |
23 | RMC HOME MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $3,942Fees | 0.255%Above | 138 | |
24 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,031Fees | 0.422%Below | 111 | |
25 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,469Fees | 0.627%Above | 63 | |
26 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $3,757Fees | 0.359%Above | 43 | |
27 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,946Fees | 0.238%Above | 29 | |
28 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $5,117Fees | 0.789%Above | 242 | |
29 | DYBN FINANCIAL CORP.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $2,897Fees | 0.134%Above | 221 | |
30 | COASTAL LOANS, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $5,294Fees | 0.136%Above | 193 | |
31 | COMMUNITY CREDIT UNION of FLORIDACredit Union | Strong | Sound | — | Sound | Exceptional | $1,345Fees | 0.010%Above | 131 | |
32 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,567Fees | 0.237%Above | 58 | |
33 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $2,658Fees | 0.438%Above | 26 | |
34 | EMBRACE HOME LOANS, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $4,302Fees | 0.155%Above | 151 | |
35 | ZILLOW HOME LOANS, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $2,944Fees | 0.475%Above | 60 | |
36 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,755Fees | 0.420%Above | 44 | |
37 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,075Fees | 0.585%Above | 42 | |
38 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,549Fees | 0.280%Above | 26 | |
39 | THE MORTGAGE FIRM, INC.Independent Mortgage Company | Strong | Mediocre | Strong | Strong | Exceptional | $3,362Fees | 0.495%Above | 534 | |
40 | EVERETT FINANCIAL, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,889Fees | 0.664%Above | 92 | |
41 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $3,578Fees | 0.427%Above | 48 | |
42 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $4,821Fees | 0.463%Above | 24 | |
43 | DIRECT MORTGAGE LOANS, LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $4,049Fees | 0.395%Above | 92 | |
44 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $3,949Fees | 0.518%Above | 25 | |
45 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Sound | $2,962Fees | 0.532%Above | 50 | |
46 | NEW DAY FINANCIAL, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Sound | $4,901Fees | 0.833%Above | 33 |
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.