Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | GREENSTATE Credit UnionCredit Union | Exceptional | Exceptional | Exceptional | Exceptional | Exceptional | $693Fees | 0.096%Above | 503 | |
2 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,177Fees | 0.656%Above | 114 | |
3 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $742Fees | 0.518%Above | 88 | |
4 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $1,639Fees | 1.319%Above | 30 | |
5 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,757Fees | 0.609%Above | 297 | |
6 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,243Fees | 0.795%Above | 190 | |
7 | NORTHWEST BANK OF ROCKFORDBank | Strong | Strong | — | Sound | Exceptional | $1,290Fees | 0.279%Above | 93 | |
8 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,005Fees | 0.875%Above | 49 | |
9 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Strong | Exceptional | Sound | Sound | $1,551Fees | 0.227%Above | 19 | |
10 | First Mid Bank & Trust, National AssociationBank | Strong | Sound | Strong | Sound | Exceptional | $1,177Fees | 0.204%Above | 295 | |
11 | Midland States BankBank | Strong | Sound | Strong | Strong | Strong | $1,295Fees | 0.782%Above | 55 | |
12 | PNC Bank, National AssociationBank | Strong | Strong | Strong | Sound | Sound | $808Credit | 0.588%Above | 32 | |
13 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,005Fees | 0.810%Above | 95 | |
14 | Barrington Bank & Trust Company, National AssociationBank | Strong | Acceptable | Exceptional | Strong | Strong | $1,166Fees | 0.490%Above | 76 | |
15 | ENVOY MORTGAGE, LTDIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $2,094Fees | 0.754%Above | 129 | |
16 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,287Fees | 0.584%Above | 43 | |
17 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $2,856Fees | 0.840%Above | 83 | |
18 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,217Fees | 0.509%Above | 50 | |
19 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Sound | $2,696Fees | 0.739%Above | 24 | |
20 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $3,872Fees | 0.801%Above | 14 | |
21 | COMPASS MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Sound | $1,795Fees | 0.975%Above | 13 | |
22 | AMERISAVE MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $2,539Fees | 1.077%Above | 13 | |
23 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $2,911Fees | 0.540%Above | 12 | |
24 | MORTGAGE SOLUTIONS OF COLORADO, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Acceptable | $1,033Fees | 0.633%Above | 10 | |
25 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Sound | $1,747Fees | 0.698%Above | 26 |
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.