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 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,260Fees | 0.121%Above | 163 | |
3 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $783Fees | 0.402%Below | 60 | |
4 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,183Fees | 0.420%Above | 316 | |
5 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,553Fees | 0.396%Above | 297 | |
6 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,385Fees | 0.068%Above | 120 | |
7 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $4,076Fees | 0.481%Above | 54 | |
8 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $4,437Fees | 0.377%Above | 37 | |
9 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,123Fees | 0.436%Above | 371 | |
10 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,084Fees | 0.529%Above | 68 | |
11 | USAA Federal Savings BankBank | Strong | Strong | Exceptional | Sound | Sound | $1,448Fees | 0.071%Below | 23 | |
12 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,708Fees | 0.475%Above | 386 | |
13 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,106Fees | 0.500%Above | 115 | |
14 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,619Fees | 0.426%Above | 195 | |
15 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,361Fees | 0.748%Above | 123 | |
16 | Fulton Bank, National AssociationBank | Strong | Acceptable | Strong | Sound | Exceptional | $2,020Fees | 0.268%Above | 182 | |
17 | RADIUS FINANCIAL GROUP INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $3,967Fees | 0.442%Above | 161 | |
18 | EMM LOANS LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,860Fees | 0.581%Above | 43 | |
19 | MDE HOME LOANS, LLCIndependent Mortgage Company | Strong | Sound | Sound | Strong | Sound | $3,906Fees | 0.244%Above | 27 | |
20 | ENVOY MORTGAGE, LTDIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $2,414Fees | 0.302%Above | 19 | |
21 | Homesale Mortgage, LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $1,968Fees | 0.436%Above | 97 | |
22 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $3,005Fees | 0.528%Above | 94 | |
23 | NEW DAY FINANCIAL, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Sound | $4,203Fees | 1.054%Above | 12 |
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.