Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,036Fees | 0.087%Above | 2,789 | |
2 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Sound | Exceptional | $861Credit | 0.162%Below | 1,093 | |
3 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,964Fees | 0.017%Above | 81 | |
4 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $934Fees | 0.101%Above | 278 | |
5 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,289Fees | 0.137%Above | 2,064 | |
6 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,718Fees | 0.028%Above | 360 | |
7 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,803Fees | 0.317%Above | 234 | |
8 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $2,803Fees | 0.196%Above | 167 | |
9 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,136Fees | 0.256%Above | 110 | |
10 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $2,204Fees | 0.349%Above | 123 | |
11 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,931Fees | 0.299%Above | 86 | |
12 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,107Fees | 0.151%Below | 78 | |
13 | OCMBC, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,484Fees | 0.537%Above | 230 | |
14 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,536Fees | 0.131%Above | 226 | |
15 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,849Fees | 0.119%Above | 152 | |
16 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,814Fees | 0.530%Above | 97 | |
17 | ZILLOW HOME LOANS, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,432Fees | 0.238%Above | 82 | |
18 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $930Fees | 0.477%Above | 75 | |
19 | FRANKLIN LOAN CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | Strong | $2,742Fees | 0.579%Above | 70 | |
20 | Hometown Equity Mortgage, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $3,351Fees | 0.753%Above | 59 | |
21 | JMJ FINANCIAL GROUPIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $3,388Fees | 0.333%Above | 95 | |
22 | FlexPoint, Inc.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $3,927Fees | 0.585%Above | 82 | |
23 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,197Fees | 0.380%Above | 353 | |
24 | ROYAL PACIFIC FUNDING CORP.Independent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $4,798Fees | 0.522%Above | 51 | |
25 | GOLDEN EMPIRE MORTGAGE, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Sound | $4,141Fees | 0.377%Above | 51 | |
26 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $2,438Fees | 0.304%Above | 178 | |
27 | BAY-VALLEY MORTGAGE GROUPIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $2,803Fees | 0.160%Above | 122 | |
28 | AHL FUNDINGIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $5,171Fees | 0.381%Above | 51 |
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.