Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $3,128Fees | 0.187%Above | 308 | |
2 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,822Fees | 0.434%Above | 280 | |
3 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Strong | $2,162Fees | 0.090%Below | 95 | |
4 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | $3,004Fees | 0.313%Above | 66 | |
5 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $4,526Fees | 0.779%Above | 158 | |
6 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,223Fees | 0.259%Above | 70 | |
7 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | $1,956Fees | 0.165%Above | 33 | |
8 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | $3,225Fees | 0.468%Above | 30 | |
9 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $5,205Fees | 0.648%Above | 136 | |
10 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,624Fees | 0.909%Above | 111 | |
11 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | $2,695Fees | 0.681%Above | 41 | |
12 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Sound | $4,384Fees | 0.603%Above | 38 | |
13 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | $3,720Fees | 0.429%Above | 28 | |
14 | DAS Acquisition Company, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | $3,978Fees | 0.596%Above | 26 | |
15 | GARDNER FINANCIAL SERVICES, LTD.Independent Mortgage Company | Sound | Mediocre | Strong | Exceptional | $4,730Fees | 0.507%Above | 138 | |
16 | LEGEND LENDING CORPORATIONIndependent Mortgage Company | Sound | Acceptable | Sound | Strong | $1,800Fees | 0.526%Above | 54 | |
17 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Acceptable | Sound | Strong | $3,457Fees | 0.586%Above | 51 | |
18 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Sound | Acceptable | Strong | Sound | $3,440Fees | 0.555%Above | 36 | |
19 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Sound | Acceptable | Strong | Sound | $2,117Fees | 0.508%Above | 31 | |
20 | SFMC, LPIndependent Mortgage Company | Sound | Acceptable | Strong | Sound | $4,481Fees | 0.490%Above | 27 | |
21 | WILLOW BEND MORTGAGE COMPANY, LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | $3,738Fees | 0.543%Above | 97 | |
22 | PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company | Sound | Mediocre | Strong | Strong | $3,259Fees | 0.717%Above | 60 | |
23 | EVERETT FINANCIAL, INC.Independent Mortgage Company | Sound | Mediocre | Exceptional | Sound | $3,893Fees | 1.137%Above | 41 | |
24 | NEWREZ LLCIndependent Mortgage Company | Sound | Acceptable | Sound | Sound | $2,591Fees | 0.332%Above | 30 | |
25 | RIGHT START MORTGAGE, INC.Independent Mortgage Company | Sound | Mediocre | Exceptional | Sound | $4,246Fees | 1.126%Above | 20 |
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.