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 | $3,128Fees | 0.187%Above | 308 | |
2 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,162Fees | 0.090%Below | 95 | |
3 | First National Bank TexasBank | Exceptional | Strong | Strong | Exceptional | Sound | $1,943Fees | 0.256%Above | 21 | |
4 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,822Fees | 0.434%Above | 280 | |
5 | Extraco Banks, National AssociationBank | Strong | Strong | Sound | Strong | Strong | $1,999Fees | 0.188%Above | 37 | |
6 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Strong | Exceptional | Sound | Sound | $1,956Fees | 0.165%Above | 33 | |
7 | MORTGAGE FINANCIAL SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,213Fees | 0.611%Above | 11 | |
8 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,526Fees | 0.779%Above | 158 | |
9 | GARDNER FINANCIAL SERVICES, LTD.Independent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $4,730Fees | 0.507%Above | 138 | |
10 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,223Fees | 0.259%Above | 70 | |
11 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,004Fees | 0.313%Above | 66 | |
12 | Gateway First BankBank | Strong | Acceptable | Exceptional | Strong | Strong | $3,755Fees | 0.452%Above | 54 | |
13 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $2,695Fees | 0.681%Above | 41 | |
14 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $4,384Fees | 0.603%Above | 38 | |
15 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Sound | $2,591Fees | 0.332%Above | 30 | |
16 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $4,068Fees | 0.419%Above | 15 | |
17 | LEGEND LENDING CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $1,800Fees | 0.526%Above | 54 | |
18 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,117Fees | 0.508%Above | 31 | |
19 | SFMC, LPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $4,481Fees | 0.490%Above | 27 | |
20 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,296Fees | 0.257%Above | 16 | |
21 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,624Fees | 0.909%Above | 111 | |
22 | PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,259Fees | 0.717%Above | 60 | |
23 | EVERETT FINANCIAL, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Sound | $3,893Fees | 1.137%Above | 41 | |
24 | DAS Acquisition Company, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Sound | $3,978Fees | 0.596%Above | 26 | |
25 | RIGHT START MORTGAGE, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Sound | $4,246Fees | 1.126%Above | 20 | |
26 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Acceptable | $2,950Fees | 0.471%Above | 10 | |
27 | WILLOW BEND MORTGAGE COMPANY, LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $3,738Fees | 0.543%Above | 97 | |
28 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $3,457Fees | 0.586%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.