Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | DSLD MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Exceptional | Exceptional | Strong | Strong | $280Fees | 0.295%Below | 35 | |
2 | FBC MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Strong | $6,082Fees | 0.600%Above | 65 | |
3 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,987Fees | 0.485%Above | 319 | |
4 | First Financial Bank, National AssociationBank | Exceptional | Strong | Strong | Exceptional | Strong | $1,797Fees | 0.496%Above | 78 | |
5 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,495Fees | 0.408%Above | 49 | |
6 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,637Fees | 0.576%Above | 184 | |
7 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,004Fees | 0.641%Above | 109 | |
8 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $2,031Fees | 0.408%Above | 85 | |
9 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Strong | Exceptional | Sound | Sound | $2,081Fees | 0.268%Above | 14 | |
10 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,860Fees | 0.571%Above | 237 | |
11 | CANOPY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,592Fees | 0.554%Above | 106 | |
12 | City BankBank | Strong | Sound | Strong | Strong | Strong | $4,152Fees | 0.500%Above | 31 | |
13 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $1,545Fees | 0.638%Above | 13 | |
14 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Sound | Strong | $2,591Fees | 0.202%Above | 43 | |
15 | Gateway First BankBank | Strong | Acceptable | Exceptional | Strong | Strong | $4,234Fees | 0.437%Above | 40 | |
16 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Sound | $1,250Fees | 0.380%Above | 18 | |
17 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,199Fees | 0.840%Above | 142 | |
18 | EVERETT FINANCIAL, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $3,587Fees | 0.772%Above | 73 | |
19 | American Mortgage Bank, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $3,156Fees | 0.747%Above | 44 | |
20 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,970Fees | 0.446%Above | 24 | |
21 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,503Fees | 1.207%Above | 24 | |
22 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,269Fees | 0.762%Above | 20 | |
23 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,001Fees | 0.248%Above | 17 | |
24 | ZILLOW HOME LOANS, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,456Fees | 1.079%Above | 16 | |
25 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,345Fees | 0.599%Above | 12 | |
26 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Acceptable | $3,673Fees | 0.518%Above | 10 | |
27 | NATIONS RELIABLE LENDING, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,575Fees | 0.649%Above | 71 | |
28 | SOUTHWEST FUNDING, LPIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $2,756Fees | 0.850%Above | 39 | |
29 | Hamilton Mortgage CorporationIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Sound | $4,061Fees | 0.252%Above | 13 | |
30 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Acceptable | $2,057Fees | 0.539%Above | 10 | |
31 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Sound | $3,335Fees | 1.030%Above | 25 | |
32 | RADIUS FINANCIAL GROUP INC.Independent Mortgage Company | Sound | Mediocre | Strong | Strong | Sound | $2,341Fees | 0.649%Above | 14 | |
33 | OPEN MORTGAGE, LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Sound | Sound | $2,620Fees | 0.559%Above | 17 |
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.