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 | $3,366Fees | 0.072%Below | 865 | |
2 | NBKC BANKBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $412Fees | 0.378%Below | 50 | |
3 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,656Fees | 0.067%Below | 205 | |
4 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $754Fees | 0.532%Below | 134 | |
5 | CORNERSTONE CAPITAL BANK, SSBBank | Exceptional | Strong | Exceptional | Exceptional | Strong | $4,355Fees | 0.339%Above | 76 | |
6 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $4,161Fees | 0.361%Above | 734 | |
7 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,750Fees | 0.193%Above | 272 | |
8 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $3,257Fees | 0.071%Above | 139 | |
9 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $4,207Fees | 0.296%Above | 129 | |
10 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $249Fees | 0.022%Above | 109 | |
11 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $5,056Fees | 0.510%Above | 64 | |
12 | Global Federal Credit UnionCredit Union | Exceptional | Strong | Strong | Exceptional | Strong | $2,215Fees | 0.012%Below | 63 | |
13 | NEWREZ LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,171Fees | 0.178%Above | 306 | |
14 | Boeing Employees Credit UnionCredit Union | Exceptional | Strong | Strong | Sound | Exceptional | $1,173Fees | 0.012%Above | 246 | |
15 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,169Fees | 0.256%Below | 212 | |
16 | OriginPoint, LLCIndependent Mortgage Company | Exceptional | Strong | Strong | Strong | Strong | $4,107Fees | 0.265%Above | 48 | |
17 | MLD MORTGAGE INC.Independent Mortgage Company | Exceptional | Strong | Strong | Strong | Strong | $4,542Fees | 0.111%Above | 47 | |
18 | USAA Federal Savings BankBank | Exceptional | Strong | Exceptional | Sound | Strong | $2,126Fees | 0.235%Below | 47 | |
19 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $1,201Fees | 0.294%Above | 22 | |
20 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,479Fees | 0.123%Above | 616 | |
21 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,470Fees | 0.419%Above | 365 | |
22 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $4,052Fees | 0.421%Above | 94 | |
23 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,182Fees | 0.228%Above | 69 | |
24 | SAMMAMISH MORTGAGE COMPANYIndependent Mortgage Company | Strong | Strong | Strong | Sound | Strong | $1,761Fees | 0.034%Below | 57 | |
25 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,313Fees | 0.420%Above | 695 | |
26 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $5,016Fees | 0.308%Above | 387 | |
27 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,170Fees | 0.208%Above | 282 | |
28 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,527Fees | 0.126%Below | 211 | |
29 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,516Fees | 0.420%Above | 169 | |
30 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,117Fees | 0.361%Above | 71 | |
31 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,924Fees | 0.020%Above | 36 | |
32 | PLANET HOME LENDING, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $3,381Fees | 0.429%Above | 30 | |
33 | EVERGREEN MONEYSOURCE MORTGAGE COMPANYIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $5,319Fees | 0.516%Above | 281 | |
34 | HomeStreet BankBank | Strong | Acceptable | Strong | Strong | Exceptional | $4,272Fees | 0.226%Above | 131 | |
35 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,230Fees | 0.032%Above | 76 | |
36 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $5,293Fees | 0.309%Above | 178 | |
37 | 1st Security Bank of WashingtonBank | Strong | Acceptable | Strong | Strong | Strong | $3,990Fees | 0.164%Above | 98 | |
38 | Umpqua BankBank | Strong | Acceptable | Strong | Strong | Strong | $2,872Fees | 0.182%Above | 40 | |
39 | GoodLeap, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Sound | $6,537Fees | 0.038%Below | 31 | |
40 | NATIONS DIRECT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,631Fees | 0.242%Above | 25 | |
41 | MORTGAGE SOLUTIONS OF COLORADO, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,345Fees | 0.184%Above | 24 | |
42 | CANOPY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $5,608Fees | 0.170%Above | 131 | |
43 | NOVA FINANCIAL & INVESTMENT CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $6,194Fees | 0.244%Above | 114 | |
44 | Sunflower Bank, National AssociationBank | Strong | Acceptable | Strong | Strong | Sound | $7,085Fees | 0.285%Above | 35 | |
45 | Synergy One Lending, Inc.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Sound | $5,838Fees | 0.242%Above | 32 | |
46 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $2,141Fees | 0.042%Below | 28 | |
47 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $3,846Fees | 0.507%Above | 169 | |
48 | Luminate Home Loans, Inc.Independent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $4,634Fees | 0.401%Above | 111 | |
49 | Cornerstone First Mortgage, IncIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $4,265Fees | 0.408%Above | 71 | |
50 | MASON MCDUFFIE MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $4,324Fees | 0.408%Above | 68 |
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.