Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | PREMIUM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $1,255Fees | 0.254%Above | 2,271 | |
2 | HOME TOWN FUNDING, INC.Independent Mortgage Company | Exceptional | Exceptional | Sound | Exceptional | Exceptional | $976Fees | 0.078%Below | 622 | |
3 | KeyBank National AssociationBank | Exceptional | Exceptional | Strong | Sound | Strong | $932Fees | 0.090%Above | 142 | |
4 | Manufacturers and Traders Trust CompanyBank | Exceptional | Strong | Exceptional | Strong | Strong | $696Fees | 0.250%Above | 141 | |
5 | HOMESTEAD FUNDING CORP.Independent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Sound | $1,540Fees | 0.207%Above | 51 | |
6 | Genesee Regional BankBank | Exceptional | Sound | Strong | Exceptional | Exceptional | $1,820Fees | 0.508%Above | 1,118 | |
7 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,061Fees | 0.559%Above | 149 | |
8 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Strong | Exceptional | Sound | Sound | $1,383Fees | 0.607%Above | 31 | |
9 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,843Fees | 0.672%Above | 702 | |
10 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,799Fees | 0.560%Above | 479 | |
11 | 1ST PRIORITY MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $2,072Fees | 0.175%Above | 258 | |
12 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,453Fees | 0.439%Above | 223 | |
13 | Five Star BankBank | Strong | Strong | Sound | Sound | Strong | $1,291Fees | 0.163%Above | 102 | |
14 | Citizens Bank, National AssociationBank | Strong | Strong | Strong | Sound | Sound | $1,315Fees | 0.232%Above | 80 | |
15 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,834Fees | 0.324%Above | 56 | |
16 | ESL Federal Credit UnionCredit Union | Strong | Acceptable | Strong | Strong | Exceptional | $2,115Fees | 0.427%Above | 596 | |
17 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Sound | $2,460Fees | 0.689%Above | 54 | |
18 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,496Fees | 0.660%Above | 79 | |
19 | HUNT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $2,767Fees | 0.495%Above | 78 | |
20 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,102Fees | 0.642%Above | 52 | |
21 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,592Fees | 0.580%Above | 34 | |
22 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,052Fees | 0.640%Above | 171 | |
23 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,357Fees | 0.596%Above | 167 | |
24 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,808Fees | 0.750%Above | 97 | |
25 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $3,434Fees | 0.353%Above | 35 | |
26 | ROYAL UNITED MORTGAGE LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Sound | Sound | $2,726Fees | 1.230%Above | 38 |
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.