Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $720Fees | 0.350%Above | 445 | |
2 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,920Fees | 0.042%Above | 277 | |
3 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $791Fees | 0.332%Below | 76 | |
4 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $3,027Fees | 0.468%Above | 101 | |
5 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,031Fees | 0.066%Above | 80 | |
6 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,618Fees | 0.362%Above | 80 | |
7 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $3,934Fees | 0.282%Above | 43 | |
8 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,310Fees | 0.329%Above | 686 | |
9 | MERIDIAN BANKBank | Strong | Sound | Strong | Strong | Exceptional | $3,210Fees | 0.172%Above | 293 | |
10 | KEYSTONE FUNDING, INC.Independent Mortgage Company | Strong | Sound | Strong | Exceptional | Strong | $3,195Fees | 0.374%Above | 174 | |
11 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,458Fees | 0.151%Above | 88 | |
12 | USAA Federal Savings BankBank | Strong | Strong | Exceptional | Sound | Sound | $1,662Fees | 0.241%Below | 17 | |
13 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,936Fees | 0.216%Above | 351 | |
14 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,241Fees | 0.287%Above | 171 | |
15 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $5,237Fees | 0.626%Above | 158 | |
16 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,251Fees | 0.471%Above | 219 | |
17 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,330Fees | 0.829%Above | 102 | |
18 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,003Fees | 0.305%Above | 72 | |
19 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,494Fees | 0.581%Above | 67 | |
20 | EMM LOANS LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,851Fees | 0.339%Above | 60 | |
21 | FIRST HOME MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $4,306Fees | 0.396%Above | 22 | |
22 | ENVOY MORTGAGE, LTDIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $2,030Fees | 0.500%Above | 76 | |
23 | Magnolia Bank, IncorporatedBank | Strong | Acceptable | Exceptional | Strong | Sound | $3,362Fees | 0.253%Above | 40 | |
24 | PIKE CREEK MORTGAGE SERVICES, INC.Independent Mortgage Company | Strong | Mediocre | Strong | Strong | Exceptional | $3,560Fees | 0.274%Above | 713 | |
25 | PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,093Fees | 0.331%Above | 87 | |
26 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $3,565Fees | 0.571%Above | 24 | |
27 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $2,770Fees | 0.544%Above | 128 |
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.