Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | BAYCOAST MORTGAGE COMPANY, LLCIndependent Mortgage Company | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $1,145Fees | 0.031%Below | 585 | |
2 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,870Fees | 0.264%Above | 883 | |
3 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $647Fees | 0.471%Below | 170 | |
4 | NBKC BANKBank | Exceptional | Exceptional | Exceptional | Strong | Sound | $636Fees | 0.183%Below | 41 | |
5 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,524Fees | 0.331%Above | 891 | |
6 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,090Fees | 0.505%Above | 539 | |
7 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,367Fees | 0.316%Above | 284 | |
8 | Fall River Five Cents Savings BankBank | Exceptional | Exceptional | Acceptable | Strong | Exceptional | $1,201Fees | 0.067%Above | 260 | |
9 | Leader Bank, National AssociationBank | Exceptional | Strong | Strong | Exceptional | Strong | $922Fees | 0.023%Below | 213 | |
10 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,704Fees | 0.379%Above | 168 | |
11 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,364Fees | 0.115%Above | 125 | |
12 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $683Fees | 0.013%Above | 114 | |
13 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,443Credit | 0.520%Above | 72 | |
14 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,676Fees | 0.471%Above | 359 | |
15 | HARBORONE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Strong | Strong | Strong | $2,558Fees | 0.202%Above | 150 | |
16 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,806Fees | 0.279%Above | 890 | |
17 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,405Fees | 0.636%Above | 567 | |
18 | The Washington Trust Company, of WesterlyBank | Strong | Strong | Sound | Sound | Exceptional | $1,544Fees | 0.186%Below | 408 | |
19 | Northpointe BankBank | Strong | Sound | Strong | Strong | Exceptional | $3,505Fees | 0.306%Above | 216 | |
20 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,033Fees | 0.413%Above | 156 | |
21 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,700Fees | 0.008%Above | 83 | |
22 | USAA Federal Savings BankBank | Strong | Strong | Exceptional | Sound | Sound | $2,357Fees | 0.246%Below | 38 | |
23 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,857Fees | 0.305%Above | 714 | |
24 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,239Fees | 0.457%Above | 314 | |
25 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,584Fees | 0.334%Above | 241 | |
26 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,126Fees | 0.374%Above | 89 | |
27 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,141Fees | 0.584%Above | 138 | |
28 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,257Fees | 0.488%Above | 97 | |
29 | NATIONS DIRECT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,541Fees | 0.554%Above | 55 | |
30 | PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $5,312Fees | 0.567%Above | 456 | |
31 | TOTAL MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Mediocre | Strong | Exceptional | Exceptional | $5,336Fees | 0.614%Above | 256 | |
32 | EMBRACE HOME LOANS, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $2,946Fees | 0.303%Above | 103 | |
33 | SEMPER HOME LOANS, INCIndependent Mortgage Company | Strong | Mediocre | Strong | Strong | Exceptional | $5,702Fees | 0.517%Above | 267 | |
34 | PROVINCE MORTGAGE ASSOCIATES, INC.Independent Mortgage Company | Strong | Acceptable | Acceptable | Strong | Exceptional | $3,400Fees | 0.463%Above | 245 | |
35 | Home Loan Investment Bank, F.S.B.Bank | Strong | Acceptable | Acceptable | Strong | Exceptional | $2,443Fees | 0.245%Above | 149 | |
36 | Waterstone Mortgage CorporationIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $5,651Fees | 0.360%Above | 74 | |
37 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $4,264Fees | 0.495%Above | 152 | |
38 | The Federal Savings BankBank | Sound | Mediocre | Exceptional | Sound | Sound | $3,105Fees | 0.185%Above | 45 |
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.