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 | $3,389Fees | 0.381%Above | 271 | |
2 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,427Fees | 0.282%Above | 103 | |
3 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Sound | $423Fees | 0.581%Below | 16 | |
4 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,161Fees | 0.423%Above | 411 | |
5 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,724Fees | 0.459%Above | 70 | |
6 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,662Fees | 0.317%Above | 61 | |
7 | USAA Federal Savings BankBank | Strong | Strong | Exceptional | Sound | Sound | $2,444Fees | 0.196%Below | 14 | |
8 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,437Fees | 0.418%Above | 139 | |
9 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,594Fees | 0.594%Above | 72 | |
10 | TOTAL MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Mediocre | Strong | Exceptional | Exceptional | $3,300Fees | 0.435%Above | 380 | |
11 | Barrington Bank & Trust Company, National AssociationBank | Sound | Mediocre | Exceptional | Strong | Acceptable | $3,379Fees | 0.240%Above | 10 | |
12 | The Federal Savings BankBank | Sound | Mediocre | Exceptional | Sound | Acceptable | $6,076Fees | 0.663%Above | 10 |
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.