Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,780Fees | 0.495%Above | 199 | |
2 | Servion, Inc.Independent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $2,257Fees | 0.487%Above | 98 | |
3 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,818Fees | 0.413%Above | 83 | |
4 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $3,000Fees | 0.308%Above | 18 | |
5 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $3,769Fees | 0.289%Above | 11 | |
6 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,005Fees | 0.715%Above | 138 | |
7 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Sound | $2,239Fees | 0.155%Above | 21 | |
8 | Nations Lending CorporationIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,987Fees | 0.479%Above | 13 | |
9 | Tradition Mortgage, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Sound | $1,855Fees | 0.248%Above | 10 | |
10 | REGENT FINANCIAL GROUP, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $3,056Fees | 0.395%Above | 101 | |
11 | Summit Mortgage CorporationIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $2,347Fees | 0.329%Above | 88 | |
12 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $2,529Fees | 0.674%Above | 67 | |
13 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,336Fees | 0.531%Above | 47 | |
14 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,329Fees | 0.263%Above | 24 | |
15 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,440Fees | 0.523%Above | 18 | |
16 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,035Fees | 0.302%Above | 18 | |
17 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,092Fees | 0.186%Above | 15 | |
18 | EVERETT FINANCIAL, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,304Fees | 0.714%Above | 57 | |
19 | NEWREZ LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $2,195Fees | 0.450%Above | 41 | |
20 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $2,784Fees | 0.385%Above | 33 | |
21 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Acceptable | $3,009Fees | 0.816%Above | 10 | |
22 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Acceptable | $4,232Fees | 0.682%Above | 10 | |
23 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $4,109Fees | 0.883%Above | 45 | |
24 | Luminate Home Loans, Inc.Independent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $4,260Fees | 0.673%Above | 14 | |
25 | ALAMEDA MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $4,626Fees | 0.565%Above | 11 | |
26 | Synergy One Lending, Inc.Independent Mortgage Company | Sound | Acceptable | Strong | Strong | Acceptable | $3,068Fees | 0.506%Above | 10 | |
27 | COMPEER FINANCIAL, FLCAIndependent Mortgage Company | Sound | Mediocre | Strong | Sound | Sound | $2,227Fees | 0.900%Above | 27 | |
28 | ROYAL UNITED MORTGAGE LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Acceptable | $3,210Fees | 1.192%Above | 10 |
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.