Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Traditions BankBank | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,804Fees | 0.178%Above | 569 | |
2 | Manufacturers and Traders Trust CompanyBank | Exceptional | Strong | Exceptional | Strong | Strong | $394Credit | 0.238%Above | 83 | |
3 | Fulton Bank, National AssociationBank | Exceptional | Strong | Strong | Sound | Exceptional | $2,020Fees | 0.268%Above | 182 | |
4 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,260Fees | 0.121%Above | 163 | |
5 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $2,385Fees | 0.068%Above | 120 | |
6 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $4,437Fees | 0.377%Above | 37 | |
7 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $1,951Fees | 0.489%Above | 17 | |
8 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,123Fees | 0.436%Above | 371 | |
9 | MEMBERS 1STCredit Union | Strong | Strong | Sound | Strong | Strong | $1,230Fees | 0.013%Above | 112 | |
10 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,084Fees | 0.529%Above | 68 | |
11 | MERIDIAN BANKBank | Strong | Sound | Exceptional | Strong | Strong | $2,315Fees | 0.136%Above | 45 | |
12 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,183Fees | 0.420%Above | 316 | |
13 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,553Fees | 0.396%Above | 297 | |
14 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,106Fees | 0.500%Above | 115 | |
15 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $2,755Fees | 0.301%Above | 57 | |
16 | EMM LOANS LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,860Fees | 0.581%Above | 43 | |
17 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,619Fees | 0.426%Above | 195 | |
18 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,076Fees | 0.481%Above | 54 | |
19 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $1,822Fees | 0.227%Above | 39 | |
20 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $4,464Fees | 0.339%Above | 37 | |
21 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $4,033Fees | 0.592%Above | 29 | |
22 | Alcova Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $2,116Fees | 0.406%Above | 24 | |
23 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,708Fees | 0.475%Above | 386 | |
24 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $3,361Fees | 0.748%Above | 123 | |
25 | Homesale Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $1,968Fees | 0.436%Above | 97 | |
26 | FIRST HOME MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,397Fees | 0.707%Above | 69 | |
27 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,741Fees | 0.336%Above | 19 | |
28 | Integrity Home Mortgage CorporationIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,874Fees | 0.472%Above | 17 | |
29 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $1,995Fees | 0.307%Above | 17 | |
30 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,281Fees | 0.848%Above | 14 | |
31 | PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,338Fees | 0.607%Above | 93 | |
32 | DIRECT MORTGAGE LOANS, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Sound | $3,843Fees | 0.478%Above | 22 | |
33 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $4,978Fees | 0.420%Above | 20 | |
34 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $3,017Fees | 1.135%Above | 18 | |
35 | RADIUS FINANCIAL GROUP INC.Independent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $3,967Fees | 0.442%Above | 161 | |
36 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $3,005Fees | 0.528%Above | 94 | |
37 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $3,636Fees | 0.493%Above | 50 | |
38 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $3,701Fees | 0.515%Above | 15 | |
39 | FIRST ALLIANCE HOME MORTGAGE, LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Sound | Strong | $3,627Fees | 0.424%Above | 66 |
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.