Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | SEFCU SERVICES, LLCIndependent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,145Fees | 0.211%Below | 316 | |
2 | AMERICU Credit UnionCredit Union | Exceptional | Exceptional | Strong | Sound | Exceptional | $1,363Fees | 0.081%Above | 241 | |
3 | HOMESTEAD FUNDING CORP.Independent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Strong | $1,585Fees | 0.306%Above | 191 | |
4 | PREMIUM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,337Fees | 0.173%Above | 71 | |
5 | Manufacturers and Traders Trust CompanyBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,169Fees | 0.245%Above | 134 | |
6 | KeyBank National AssociationBank | Exceptional | Exceptional | Strong | Sound | Strong | $1,160Fees | 0.044%Above | 120 | |
7 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,359Fees | 0.260%Above | 67 | |
8 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $1,449Fees | 1.071%Above | 24 | |
9 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,690Fees | 0.647%Above | 500 | |
10 | Genesee Regional BankBank | Strong | Sound | Strong | Exceptional | Strong | $2,298Fees | 0.465%Above | 171 | |
11 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Strong | Exceptional | Sound | Sound | $2,072Fees | 0.517%Above | 21 | |
12 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,675Fees | 0.486%Above | 108 | |
13 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,327Fees | 0.671%Above | 34 | |
14 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,637Fees | 0.509%Above | 277 | |
15 | HUNT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $3,865Fees | 0.476%Above | 211 | |
16 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,831Fees | 0.401%Above | 97 | |
17 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Sound | Strong | $2,655Fees | 0.381%Above | 77 | |
18 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Sound | $2,180Fees | 0.628%Above | 23 | |
19 | EVERETT FINANCIAL, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $2,871Fees | 0.339%Above | 249 | |
20 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $1,667Fees | 0.558%Above | 23 | |
21 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $2,211Fees | 0.579%Above | 78 | |
22 | PARAGON HOME LOANS INC.Independent Mortgage Company | Strong | Acceptable | Sound | Strong | Strong | $3,251Fees | 0.461%Above | 29 | |
23 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $3,548Fees | 0.795%Above | 50 | |
24 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Sound | Acceptable | Exceptional | Sound | Acceptable | $3,943Fees | 0.366%Above | 11 |
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.