Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | The Huntington National BankBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $451Fees | 0.617%Above | 443 | |
2 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,142Fees | 0.364%Above | 239 | |
3 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $1,143Fees | 0.615%Above | 42 | |
4 | First Commonwealth BankBank | Exceptional | Strong | Strong | Strong | Strong | $874Fees | 0.241%Above | 41 | |
5 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $2,101Fees | 0.322%Above | 23 | |
6 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,145Fees | 0.625%Above | 413 | |
7 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $2,547Fees | 0.494%Above | 72 | |
8 | GoodLeap, LLCIndependent Mortgage Company | Strong | Strong | Exceptional | Sound | Sound | $2,866Fees | 0.035%Above | 42 | |
9 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Strong | Exceptional | Sound | Sound | $1,700Fees | 0.234%Above | 25 | |
10 | Premier BankBank | Strong | Strong | Sound | Sound | Strong | $1,070Fees | 0.526%Above | 114 | |
11 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,320Fees | 0.511%Above | 94 | |
12 | WEST PENN FINANCIAL SERVICE CENTER, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $2,025Fees | 0.479%Above | 82 | |
13 | HOWARD HANNA FINANCIAL SERVICES, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $2,313Fees | 0.440%Above | 46 | |
14 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,475Fees | 0.585%Above | 30 | |
15 | Citizens Bank, National AssociationBank | Strong | Strong | Strong | Sound | Sound | $667Fees | 0.392%Above | 29 | |
16 | MICHIGAN MUTUAL, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $167Fees | 1.174%Above | 13 | |
17 | MYCUMORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | Sound | $1,037Fees | 1.286%Above | 10 | |
18 | The Farmers National Bank of CanfieldBank | Strong | Sound | Sound | Sound | Exceptional | $1,368Fees | 0.370%Above | 216 | |
19 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Sound | Strong | $1,905Fees | 0.447%Above | 128 | |
20 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,135Fees | 1.055%Above | 41 | |
21 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,175Fees | 0.681%Above | 26 | |
22 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Sound | $1,677Fees | 0.640%Above | 21 | |
23 | Ixonia BankBank | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,438Fees | 0.842%Above | 657 | |
24 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,558Fees | 0.924%Above | 325 | |
25 | AFFORDABLE MORTGAGE ADVISORS, LLC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,313Fees | 0.678%Above | 27 | |
26 | Synergy One Lending, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,357Fees | 0.798%Above | 24 | |
27 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,624Fees | 0.773%Above | 21 | |
28 | ZILLOW HOME LOANS, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,403Fees | 0.707%Above | 14 | |
29 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $3,928Fees | 0.543%Above | 15 | |
30 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Acceptable | $3,212Fees | 0.620%Above | 10 | |
31 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $2,539Fees | 1.043%Above | 31 | |
32 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Sound | Acceptable | Exceptional | Sound | Acceptable | $4,996Fees | 0.302%Above | 10 | |
33 | LIBERTY HOME MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Strong | Sound | Strong | $3,158Fees | 1.082%Above | 42 | |
34 | RAPID MORTGAGE COMPANYIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Sound | $3,154Fees | 1.272%Above | 33 | |
35 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Sound | $3,013Fees | 1.184%Above | 33 | |
36 | GO MORTGAGE, LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Sound | $3,871Fees | 0.471%Above | 22 | |
37 | ROYAL UNITED MORTGAGE LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Sound | Sound | $3,137Fees | 1.404%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.