Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,951Fees | 0.005%Below | 150 | |
2 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,008Fees | 0.010%Below | 2,666 | |
3 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,690Fees | 0.155%Below | 1,568 | |
4 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,150Fees | 0.269%Above | 1,422 | |
5 | HOME FINANCING UNLIMITED, INC.Independent Mortgage Company | Exceptional | Strong | — | Strong | Exceptional | $2,474Fees | 0.579%Below | 432 | |
6 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,569Fees | 0.064%Below | 398 | |
7 | TEXAS MORTGAGE LENDING, LLCIndependent Mortgage Company | Exceptional | Strong | Strong | Strong | Strong | $2,474Fees | 0.248%Above | 71 | |
8 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,883Fees | 0.150%Above | 286 | |
9 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,040Fees | 0.074%Below | 270 | |
10 | SWBC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,562Fees | 0.098%Above | 124 | |
11 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,536Fees | 0.270%Above | 783 | |
12 | OriginPoint, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $3,109Fees | 0.172%Above | 101 | |
13 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $2,847Fees | 0.058%Above | 88 | |
14 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,230Fees | 0.293%Above | 328 | |
15 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,700Fees | 0.420%Above | 216 | |
16 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,417Fees | 0.234%Above | 166 | |
17 | LOANPEOPLE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Exceptional | $3,362Fees | 0.090%Above | 699 | |
18 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $4,665Fees | 0.355%Above | 188 | |
19 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $3,468Fees | 0.419%Above | 173 | |
20 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $1,639Fees | 0.080%Above | 295 | |
21 | EVERETT FINANCIAL, INC.Independent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $3,886Fees | 0.536%Above | 242 | |
22 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $4,864Fees | 0.490%Above | 102 | |
23 | NEXERA HOLDING LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $4,821Fees | 1.256%Above | 71 |
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.