Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $3,140Fees | 0.518%Above | 173 | |
2 | Manufacturers and Traders Trust CompanyBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,058Fees | 0.346%Above | 57 | |
3 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $3,184Fees | 0.562%Above | 51 | |
4 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,481Fees | 0.511%Above | 187 | |
5 | KIND LENDING, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,048Fees | 0.684%Above | 170 | |
6 | SWBC MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,988Fees | 0.388%Above | 111 | |
7 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $1,487Fees | 0.265%Above | 79 | |
8 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $2,888Fees | 0.331%Above | 14 | |
9 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,382Fees | 0.533%Above | 751 | |
10 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,359Fees | 0.568%Above | 51 | |
11 | MICHIGAN MUTUAL, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,440Fees | 0.488%Above | 40 | |
12 | AMERANT MORTGAGE, LLCIndependent Mortgage Company | Strong | Strong | Strong | Strong | Sound | $2,707Fees | 0.450%Above | 21 | |
13 | Mortgage America, Inc.Independent Mortgage Company | Strong | Strong | Strong | Strong | Sound | $2,063Fees | 0.213%Above | 14 | |
14 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,179Fees | 0.414%Above | 280 | |
15 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $1,745Fees | 0.605%Above | 70 | |
16 | Citizens Bank, National AssociationBank | Strong | Strong | Strong | Sound | Sound | $1,494Fees | 0.299%Above | 40 | |
17 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Sound | $2,813Fees | 0.377%Above | 23 | |
18 | Wells Fargo Bank, National AssociationBank | Strong | Sound | Strong | Sound | Strong | $2,072Fees | 0.191%Above | 67 | |
19 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,802Fees | 0.475%Above | 47 | |
20 | Alcova Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $2,655Fees | 0.780%Above | 32 | |
21 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,437Fees | 0.730%Above | 30 | |
22 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $1,152Fees | 0.568%Above | 24 | |
23 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,436Fees | 0.725%Above | 216 | |
24 | Ixonia BankBank | Strong | Mediocre | Exceptional | Strong | Exceptional | $2,582Fees | 0.427%Above | 204 | |
25 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $1,107Fees | 0.780%Above | 127 | |
26 | UNITED MORTGAGE CORP.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,392Fees | 1.225%Above | 121 | |
27 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,050Fees | 0.611%Above | 37 | |
28 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,072Fees | 0.514%Above | 35 | |
29 | ZILLOW HOME LOANS, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,626Fees | 0.741%Above | 25 | |
30 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,030Fees | 0.964%Above | 18 | |
31 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $1,603Fees | 0.737%Above | 14 | |
32 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $925Fees | 0.931%Above | 11 | |
33 | ABSOLUTE HOME MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $2,804Fees | 0.647%Above | 51 | |
34 | AMERISAVE MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $3,415Fees | 0.350%Above | 25 | |
35 | Summit Mortgage CorporationIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Sound | $3,285Fees | 0.377%Above | 23 | |
36 | The Federal Savings BankBank | Strong | Acceptable | Exceptional | Sound | Sound | $4,390Fees | 0.611%Above | 15 | |
37 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $1,229Fees | 0.440%Above | 12 | |
38 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $4,620Fees | 1.113%Above | 44 | |
39 | NATIONWIDE MORTGAGE BANKERS, INC.Independent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $3,483Fees | 0.728%Above | 11 | |
40 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Sound | $2,768Fees | 0.840%Above | 44 |
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.