Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | INB, National AssociationBank | Exceptional | Exceptional | Strong | Strong | Strong | $589Fees | 0.255%Above | 106 | |
2 | FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,295Fees | 0.424%Above | 592 | |
3 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,096Fees | 0.634%Above | 244 | |
4 | MLD MORTGAGE INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,548Fees | 0.509%Above | 236 | |
5 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $700Fees | 0.402%Above | 218 | |
6 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $2,768Fees | 0.933%Above | 17 | |
7 | FIRST STATE MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | Strong | $1,335Fees | 0.371%Above | 108 | |
8 | Fortress BankBank | Strong | Sound | Strong | Exceptional | Strong | $504Fees | 0.054%Above | 51 | |
9 | TOWNE MORTGAGE COMPANYIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | Sound | $2,479Fees | 0.022%Above | 26 | |
10 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,028Fees | 0.608%Above | 215 | |
11 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $1,538Fees | 0.727%Above | 104 | |
12 | CIBM BankBank | Strong | Sound | Strong | Strong | Strong | $1,840Fees | 0.801%Above | 45 | |
13 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,761Fees | 0.559%Above | 21 | |
14 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,483Fees | 1.032%Above | 20 | |
15 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,502Fees | 1.292%Above | 12 | |
16 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Sound | $1,947Fees | 0.608%Above | 38 | |
17 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $1,553Fees | 0.469%Above | 11 | |
18 | LEADERONE FINANCIAL CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $2,877Fees | 0.892%Above | 50 | |
19 | Ixonia BankBank | Sound | Mediocre | Exceptional | Strong | Sound | $2,240Fees | 0.836%Above | 14 | |
20 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $2,870Fees | 0.166%Above | 12 | |
21 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Sound | $2,596Fees | 0.782%Above | 58 | |
22 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Acceptable | $2,756Fees | 0.805%Above | 10 |
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.