Safe Rate Rankings
Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,355Fees | 0.073%Above | 575 | |
2 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,740Fees | 0.265%Above | 57 | |
3 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $2,708Fees | 0.075%Below | 49 | |
4 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,360Fees | 0.180%Above | 402 | |
5 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,807Fees | 0.345%Above | 195 | |
6 | Glacier BankBank | Strong | Sound | Strong | Strong | Exceptional | $4,170Fees | 0.196%Above | 171 | |
7 | Banner BankBank | Strong | Strong | Strong | Sound | Strong | $3,004Fees | 0.112%Above | 72 | |
8 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,101Fees | 0.186%Above | 57 | |
9 | WASHINGTON STATE EMPLOYEES CREDIT UNIONCredit Union | Strong | Strong | Strong | Sound | Strong | $1,824Fees | 0.342%Above | 32 | |
10 | GoodLeap, LLCIndependent Mortgage Company | Strong | Strong | Exceptional | Sound | Sound | $4,567Fees | 0.758%Below | 21 | |
11 | Sunflower Bank, National AssociationBank | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,275Fees | 0.242%Above | 369 | |
12 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,273Fees | 0.441%Above | 330 | |
13 | CANOPY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $5,526Fees | 0.445%Above | 206 | |
14 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,653Fees | 0.381%Above | 199 | |
15 | CORNERSTONE CAPITAL BANK, SSBBank | Strong | Acceptable | Exceptional | Exceptional | Strong | $5,014Fees | 0.561%Above | 131 | |
16 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $2,635Fees | 0.414%Above | 45 | |
17 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Sound | $3,799Fees | 0.140%Above | 36 | |
18 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $3,048Fees | 0.110%Above | 33 | |
19 | Northpointe BankBank | Strong | Sound | Exceptional | Strong | Sound | $3,623Fees | 0.253%Above | 22 | |
20 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $5,432Fees | 0.446%Above | 183 | |
21 | Washington Trust BankBank | Strong | Sound | Sound | Sound | Exceptional | $1,174Fees | 0.182%Above | 133 | |
22 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,119Fees | 0.471%Above | 106 | |
23 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,454Fees | 0.381%Above | 88 | |
24 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $5,125Fees | 0.716%Above | 20 | |
25 | SUMMIT FUNDING, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $5,781Fees | 0.498%Above | 42 | |
26 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,686Fees | 0.412%Above | 40 | |
27 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,841Fees | 0.316%Above | 39 | |
28 | Synergy One Lending, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $4,039Fees | 0.220%Above | 34 | |
29 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,837Fees | 0.250%Above | 20 | |
30 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,308Fees | 0.533%Above | 171 | |
31 | Luminate Home Loans, Inc.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $5,891Fees | 0.516%Above | 82 | |
32 | PREMIER MORTGAGE RESOURCES, L.L.C.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,217Fees | 0.321%Above | 73 | |
33 | CHURCHILL MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,397Fees | 0.392%Above | 48 | |
34 | EVERGREEN MONEYSOURCE MORTGAGE COMPANYIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Sound | $4,713Fees | 0.586%Above | 38 | |
35 | GENEVA FINANCIAL, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Sound | $4,474Fees | 0.711%Above | 31 | |
36 | ENVOY MORTGAGE, LTDIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $4,926Fees | 0.405%Above | 29 | |
37 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $3,113Fees | 0.250%Above | 23 | |
38 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $4,544Fees | 0.488%Above | 51 | |
39 | Willamette Valley BankBank | Sound | Mediocre | Strong | Strong | Strong | $5,559Fees | 0.103%Above | 35 | |
40 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $4,090Fees | 0.115%Above | 35 | |
41 | LEADERONE FINANCIAL CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $5,200Fees | 0.132%Above | 29 | |
42 | NUMERICA CREDIT UNIONCredit Union | Sound | Mediocre | Sound | Sound | Exceptional | $4,162Fees | 0.285%Above | 115 |
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.