Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $3,355Fees | 0.073%Above | 575 | |
2 | CORNERSTONE CAPITAL BANK, SSBBank | Exceptional | Strong | Exceptional | Exceptional | Strong | $5,014Fees | 0.561%Above | 131 | |
3 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $793Fees | 0.643%Below | 45 | |
4 | NBKC BANKBank | Exceptional | Exceptional | Exceptional | Strong | Sound | $608Fees | 0.329%Below | 17 | |
5 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $4,273Fees | 0.441%Above | 330 | |
6 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $4,454Fees | 0.381%Above | 88 | |
7 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $869Fees | 0.057%Above | 88 | |
8 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,740Fees | 0.265%Above | 57 | |
9 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,708Fees | 0.075%Below | 49 | |
10 | IDAHO CENTRAL CREDIT UNIONCredit Union | Exceptional | Strong | Strong | Strong | Strong | $1,993Fees | 0.190%Above | 121 | |
11 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $4,119Fees | 0.471%Above | 106 | |
12 | KIND LENDING, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $3,048Fees | 0.110%Above | 33 | |
13 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $1,511Fees | 0.296%Above | 14 | |
14 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,360Fees | 0.180%Above | 402 | |
15 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,807Fees | 0.345%Above | 195 | |
16 | Glacier BankBank | Strong | Sound | Strong | Strong | Exceptional | $4,170Fees | 0.196%Above | 171 | |
17 | Boeing Employees Credit UnionCredit Union | Strong | Strong | Strong | Sound | Strong | $1,265Fees | 0.070%Above | 108 | |
18 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,101Fees | 0.186%Above | 57 | |
19 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,635Fees | 0.414%Above | 45 | |
20 | USAA Federal Savings BankBank | Strong | Strong | Exceptional | Sound | Sound | $3,333Fees | 0.172%Below | 27 | |
21 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,653Fees | 0.381%Above | 199 | |
22 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $3,686Fees | 0.412%Above | 40 | |
23 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Sound | $3,799Fees | 0.140%Above | 36 | |
24 | Sunflower Bank, National AssociationBank | Strong | Acceptable | Strong | Strong | Exceptional | $4,275Fees | 0.242%Above | 369 | |
25 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,308Fees | 0.533%Above | 171 | |
26 | Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,850Fees | 0.088%Above | 68 | |
27 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $5,125Fees | 0.716%Above | 20 | |
28 | CANOPY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $5,526Fees | 0.445%Above | 206 | |
29 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $5,432Fees | 0.446%Above | 183 | |
30 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $4,090Fees | 0.115%Above | 35 | |
31 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,462Fees | 0.225%Above | 27 | |
32 | GoodLeap, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Sound | $4,567Fees | 0.758%Below | 21 | |
33 | PREMIER MORTGAGE RESOURCES, L.L.C.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,217Fees | 0.321%Above | 73 | |
34 | SUMMIT FUNDING, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $5,781Fees | 0.498%Above | 42 | |
35 | Luminate Home Loans, Inc.Independent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $5,891Fees | 0.516%Above | 82 | |
36 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $4,544Fees | 0.488%Above | 51 | |
37 | SCENIC OAKS FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $4,133Fees | 0.195%Above | 34 | |
38 | LEADERONE FINANCIAL CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $5,200Fees | 0.132%Above | 29 | |
39 | PREMIER LENDING, INC.Independent Mortgage Company | Sound | Mediocre | Sound | Strong | Strong | $4,992Fees | 0.290%Above | 40 | |
40 | The Federal Savings BankBank | Sound | Mediocre | Exceptional | Sound | Sound | $5,791Fees | 0.957%Above | 17 | |
41 | NUMERICA CREDIT UNIONCredit Union | Sound | Mediocre | Acceptable | 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.