Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Bank Five NineBank | Exceptional | Strong | Strong | Exceptional | Strong | $1,212Fees | 0.210%Above | 83 | |
2 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,819Fees | 0.040%Above | 54 | |
3 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $1,997Fees | 0.383%Above | 32 | |
4 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $1,884Fees | 0.493%Above | 15 | |
5 | WISCONSIN MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Strong | Strong | Sound | Strong | $903Fees | 0.259%Above | 34 | |
6 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Strong | Exceptional | Sound | Sound | $161Fees | 0.082%Below | 11 | |
7 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,813Fees | 0.475%Above | 144 | |
8 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,304Fees | 0.466%Above | 100 | |
9 | GATEWAY MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Sound | Exceptional | Strong | $1,706Fees | 0.602%Above | 54 | |
10 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $3,556Fees | 0.104%Below | 17 | |
11 | PLANET HOME LENDING, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,623Fees | 0.560%Above | 12 | |
12 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Sound | Strong | $1,713Fees | 0.538%Above | 59 | |
13 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,905Fees | 0.438%Above | 55 | |
14 | TRUSTONE FINANCIAL CREDIT UNIONCredit Union | Strong | Sound | Strong | Sound | Strong | $1,253Fees | 0.113%Above | 36 | |
15 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Sound | $2,097Fees | 0.383%Above | 26 | |
16 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,581Fees | 0.708%Above | 67 | |
17 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $4,233Fees | 0.839%Above | 11 | |
18 | DIAMOND RESIDENTIAL MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Strong | Exceptional | Strong | $2,615Fees | 0.754%Above | 30 | |
19 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $1,665Fees | 0.216%Above | 12 | |
20 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $1,210Fees | 0.580%Above | 16 | |
21 | SECURITYNATIONAL MORTGAGE COMPANYIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $3,150Fees | 0.777%Above | 13 | |
22 | NATIONS RELIABLE LENDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $3,480Fees | 0.827%Above | 11 | |
23 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Sound | $2,359Fees | 0.878%Above | 17 |
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.