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 | $2,708Fees | 0.210%Below | 1,433 | |
2 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Exceptional | $769Fees | 0.468%Below | 1,147 | |
3 | Armed Forces Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $543Fees | 0.110%Below | 76 | |
4 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,717Fees | 0.074%Below | 899 | |
5 | LANGLEY Federal Credit UnionCredit Union | Exceptional | Exceptional | — | Strong | Exceptional | $1,235Fees | 0.405%Below | 168 | |
6 | Ameris BankBank | Exceptional | Strong | Exceptional | Exceptional | Strong | $3,295Fees | 0.006%Above | 140 | |
7 | NBKC BANKBank | Exceptional | Exceptional | Exceptional | Strong | Sound | $941Fees | 0.411%Below | 67 | |
8 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,045Fees | 0.159%Above | 863 | |
9 | Towne BankBank | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,810Fees | 0.203%Above | 450 | |
10 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,860Fees | 0.121%Above | 319 | |
11 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,509Fees | 0.474%Below | 264 | |
12 | CAPITAL CENTER, L.L.C.Independent Mortgage Company | Exceptional | Exceptional | Strong | Sound | Strong | $470Fees | 0.180%Above | 154 | |
13 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,398Fees | 0.398%Above | 144 | |
14 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,646Fees | 0.139%Below | 106 | |
15 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,451Fees | 0.077%Above | 234 | |
16 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $2,500Fees | 0.064%Above | 232 | |
17 | USAA Federal Savings BankBank | Exceptional | Strong | Exceptional | Sound | Strong | $2,165Fees | 0.251%Below | 138 | |
18 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,643Fees | 0.248%Above | 100 | |
19 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Sound | $858Fees | 0.026%Below | 72 | |
20 | ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,805Fees | 0.289%Above | 1,813 | |
21 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,466Fees | 0.265%Above | 1,581 | |
22 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,607Fees | 0.350%Above | 1,538 | |
23 | Atlantic Coast Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,134Fees | 0.168%Above | 493 | |
24 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,362Fees | 0.187%Above | 442 | |
25 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,806Fees | 0.030%Above | 250 | |
26 | Truist BankBank | Strong | Strong | Strong | Sound | Strong | $1,502Fees | 0.047%Above | 192 | |
27 | Tidewater Home Funding, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $3,341Fees | 0.061%Above | 181 | |
28 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,155Fees | 0.318%Above | 148 | |
29 | HOMESPIRE MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | Strong | $2,546Fees | 0.383%Above | 118 | |
30 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,545Fees | 0.539%Above | 1,835 | |
31 | Advance Financial Group, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | Exceptional | $4,257Fees | 0.092%Above | 442 | |
32 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,261Fees | 0.398%Above | 339 | |
33 | Wells Fargo Bank, National AssociationBank | Strong | Sound | Exceptional | Sound | Strong | $1,999Fees | 0.073%Above | 211 | |
34 | Alcova Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,904Fees | 0.377%Above | 147 | |
35 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,020Fees | 0.307%Above | 132 | |
36 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,316Fees | 0.329%Above | 120 | |
37 | LoanUnited.com, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $2,454Fees | 0.305%Below | 116 | |
38 | Plains Commerce BankBank | Strong | Sound | Exceptional | Strong | Sound | $2,708Fees | 0.160%Above | 54 | |
39 | TIDEWATER MORTGAGE SERVICES, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $3,174Fees | 0.129%Above | 461 | |
40 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,878Fees | 0.365%Above | 341 | |
41 | Presidential Bank, FSBBank | Strong | Acceptable | Strong | Exceptional | Strong | $2,782Fees | 0.322%Above | 264 | |
42 | Archer Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | Strong | $3,261Fees | 0.131%Above | 159 | |
43 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,911Fees | 0.303%Above | 126 | |
44 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,661Fees | 0.654%Above | 121 | |
45 | DRAGAS MORTGAGE COMPANYIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | Strong | $4,461Fees | 0.017%Above | 109 | |
46 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,589Fees | 0.266%Above | 106 | |
47 | GoodLeap, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $4,095Fees | 0.352%Below | 88 | |
48 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,818Fees | 0.457%Above | 58 | |
49 | CALCON MUTUAL MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $2,974Fees | 0.180%Above | 255 | |
50 | MORIA DEVELOPMENT, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $2,294Fees | 0.111%Above | 124 |
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.