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 | $3,145Fees | 0.248%Above | 205 | |
2 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,856Fees | 0.147%Above | 50 | |
3 | DIRECTIONS EQUITY, LLCIndependent Mortgage Company | Exceptional | Strong | Strong | Exceptional | Strong | $1,559Fees | 0.321%Above | 47 | |
4 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,659Fees | 0.570%Above | 179 | |
5 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,557Fees | 0.446%Above | 86 | |
6 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Strong | Exceptional | Sound | Sound | $2,592Fees | 0.035%Above | 22 | |
7 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $5,619Fees | 0.741%Above | 99 | |
8 | STONEWOOD HOME LENDING, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | Exceptional | $4,966Fees | 0.299%Above | 53 | |
9 | MORTGAGE FINANCIAL SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,219Fees | 0.523%Above | 17 | |
10 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,782Fees | 0.218%Above | 14 | |
11 | DAS Acquisition Company, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $4,439Fees | 0.418%Above | 135 | |
12 | HALLMARK HOME MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $4,428Fees | 0.671%Above | 126 | |
13 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,219Fees | 0.589%Above | 48 | |
14 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,672Fees | 0.505%Above | 43 | |
15 | MORTGAGE SOLUTIONS OF COLORADO, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,800Fees | 0.712%Above | 39 | |
16 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,466Fees | 0.432%Above | 37 | |
17 | Nations Lending CorporationIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $4,207Fees | 0.864%Above | 21 | |
18 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $4,397Fees | 1.079%Above | 12 | |
19 | SECURITYNATIONAL MORTGAGE COMPANYIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,808Fees | 0.856%Above | 126 | |
20 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,973Fees | 0.532%Above | 47 | |
21 | RIGHT START MORTGAGE, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $5,064Fees | 0.847%Above | 46 | |
22 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD.Independent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,411Fees | 0.440%Above | 34 | |
23 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $5,447Fees | 0.351%Above | 24 | |
24 | SUN WEST MORTGAGE COMPANY, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,998Fees | 0.762%Above | 23 | |
25 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,267Fees | 0.706%Above | 17 | |
26 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,323Fees | 0.860%Above | 56 | |
27 | NATIONS RELIABLE LENDING, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,594Fees | 0.261%Above | 37 | |
28 | SOUTHWEST FUNDING, LPIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,735Fees | 1.078%Above | 30 | |
29 | GENEVA FINANCIAL, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Sound | $4,863Fees | 0.944%Above | 21 | |
30 | WILLOW BEND MORTGAGE COMPANY, LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $4,929Fees | 0.377%Above | 50 | |
31 | PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $3,996Fees | 0.441%Above | 15 | |
32 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Sound | $2,894Fees | 0.838%Above | 19 |
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.