Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | JET HOMELOANS, LPIndependent Mortgage Company | Exceptional | Exceptional | Exceptional | Exceptional | Strong | $1,556Fees | 0.348%Below | 59 | |
2 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,831Fees | 0.086%Above | 297 | |
3 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,131Fees | 0.279%Above | 401 | |
4 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $757Fees | 0.585%Below | 143 | |
5 | CORNERSTONE CAPITAL BANK, SSBBank | Exceptional | Strong | Exceptional | Exceptional | Strong | $3,765Fees | 0.200%Above | 93 | |
6 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Strong | $1,989Fees | 0.025%Above | 76 | |
7 | NBKC BANKBank | Exceptional | Exceptional | Exceptional | Strong | Sound | $783Fees | 0.080%Below | 24 | |
8 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,303Fees | 0.259%Above | 305 | |
9 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,489Fees | 0.175%Below | 90 | |
10 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,850Fees | 0.361%Above | 73 | |
11 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,484Fees | 0.364%Above | 62 | |
12 | Towne BankBank | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,131Fees | 0.284%Above | 124 | |
13 | American Security Mortgage Corp.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,745Fees | 0.169%Above | 99 | |
14 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,091Fees | 0.271%Above | 554 | |
15 | ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,199Fees | 0.351%Above | 351 | |
16 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,886Fees | 0.206%Above | 139 | |
17 | Truist BankBank | Strong | Strong | Strong | Sound | Strong | $1,402Fees | 0.168%Above | 136 | |
18 | INTERCOASTAL MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | Strong | $2,065Fees | 0.327%Above | 94 | |
19 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,294Fees | 0.116%Below | 92 | |
20 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Exceptional | Sound | $2,578Fees | 0.286%Above | 38 | |
21 | USAA Federal Savings BankBank | Strong | Strong | Exceptional | Sound | Sound | $2,704Fees | 0.230%Below | 35 | |
22 | PENTAGON FEDERAL CREDIT UNIONCredit Union | Strong | Strong | Exceptional | Sound | Sound | $3,247Fees | 0.154%Below | 18 | |
23 | Integrity Home Mortgage CorporationIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,233Fees | 0.400%Above | 151 | |
24 | Primis Mortgage CompanyIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $2,075Fees | 0.346%Above | 103 | |
25 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,828Fees | 0.573%Above | 93 | |
26 | LOANSTEADY LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $2,022Fees | 0.201%Above | 48 | |
27 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,584Fees | 0.440%Above | 164 | |
28 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $421Fees | 0.442%Above | 101 | |
29 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,087Fees | 0.525%Above | 63 | |
30 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,413Fees | 0.434%Above | 57 | |
31 | Alcova Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,485Fees | 0.145%Above | 39 | |
32 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $2,451Fees | 0.379%Above | 34 | |
33 | Blue Ridge Bank, National AssociationBank | Strong | Sound | Strong | Strong | Sound | $3,714Fees | 0.257%Above | 28 | |
34 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,528Fees | 0.095%Above | 30 | |
35 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $4,395Fees | 0.329%Above | 20 |
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.