Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | FIRST CONTINENTAL MORTGAGE, LTD.Independent Mortgage Company | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $52Credit | 0.563%Below | 79 | |
2 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $3,182Fees | 0.004%Above | 513 | |
3 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,769Fees | 0.047%Above | 197 | |
4 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $531Fees | 0.522%Below | 106 | |
5 | Ameris BankBank | Exceptional | Strong | Exceptional | Exceptional | Strong | $3,219Fees | 0.237%Above | 95 | |
6 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Strong | $3,613Fees | 0.045%Above | 91 | |
7 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,094Fees | 0.338%Above | 176 | |
8 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,117Fees | 0.009%Above | 86 | |
9 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $3,124Fees | 0.210%Above | 44 | |
10 | KIND LENDING, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $2,523Fees | 0.430%Above | 31 | |
11 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $1,064Fees | 0.427%Above | 26 | |
12 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,019Fees | 0.199%Above | 591 | |
13 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $3,655Fees | 0.130%Above | 90 | |
14 | Plains Commerce BankBank | Strong | Sound | Exceptional | Strong | Strong | $3,766Fees | 0.343%Above | 78 | |
15 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $4,607Fees | 0.094%Above | 69 | |
16 | USAA Federal Savings BankBank | Strong | Strong | Exceptional | Sound | Sound | $1,438Fees | 0.162%Below | 35 | |
17 | TOWNE MORTGAGE COMPANYIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | Sound | $3,888Fees | 0.483%Above | 26 | |
18 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Exceptional | Sound | $1,761Fees | 0.254%Above | 19 | |
19 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,535Fees | 0.626%Above | 285 | |
20 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,640Fees | 0.330%Above | 184 | |
21 | BANKSOUTH MORTGAGE COMPANY, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | Exceptional | $4,794Fees | 0.376%Above | 126 | |
22 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,262Fees | 0.253%Above | 82 | |
23 | COLONY BANKBank | Strong | Sound | Strong | Strong | Strong | $3,210Fees | 0.173%Above | 42 | |
24 | LoanUnited.com, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $2,444Fees | 0.195%Below | 31 | |
25 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $3,022Fees | 0.498%Above | 27 | |
26 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,585Fees | 0.235%Above | 24 | |
27 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $4,713Fees | 0.354%Above | 16 | |
28 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,647Fees | 0.427%Above | 46 | |
29 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $4,347Fees | 0.602%Above | 37 | |
30 | OCMBC, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Sound | $4,177Fees | 0.321%Above | 13 | |
31 | Magnolia Bank, IncorporatedBank | Strong | Acceptable | Exceptional | Strong | Sound | $2,526Fees | 0.215%Above | 31 | |
32 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $4,086Fees | 0.265%Above | 30 | |
33 | MORTGAGE SOLUTIONS OF COLORADO, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $467Fees | 0.378%Above | 18 | |
34 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Sound | Exceptional | $2,673Fees | 0.380%Above | 566 | |
35 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $2,820Fees | 0.776%Above | 24 | |
36 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $4,422Fees | 0.422%Above | 20 | |
37 | CANOPY MORTGAGE, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $4,295Fees | 0.390%Above | 37 | |
38 | SUMMIT FUNDING, INC.Independent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $5,353Fees | 0.744%Above | 22 | |
39 | The Federal Savings BankBank | Sound | Mediocre | Exceptional | Sound | Sound | $4,002Fees | 0.656%Above | 23 | |
40 | NEW DAY FINANCIAL, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Sound | $7,535Fees | 0.951%Above | 16 |
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.