Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Rocky Mountain Mortgage CompanyIndependent Mortgage Company | Exceptional | Exceptional | Strong | Sound | Exceptional | $1,741Fees | 0.187%Below | 445 | |
2 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,874Fees | 0.150%Above | 696 | |
3 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $2,010Fees | 0.106%Above | 50 | |
4 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,630Fees | 0.603%Above | 480 | |
5 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,958Fees | 0.681%Above | 66 | |
6 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,438Fees | 0.485%Above | 66 | |
7 | Commerce Home Mortgage, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,501Fees | 0.627%Above | 556 | |
8 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,625Fees | 0.313%Above | 425 | |
9 | CADENCE LENDING GROUP, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Exceptional | Exceptional | $3,764Fees | 0.310%Above | 350 | |
10 | LOANPEOPLE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | Exceptional | $2,956Fees | 0.505%Above | 313 | |
11 | PATRIOT MORTGAGE COMPANYIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | Exceptional | $4,282Fees | 0.421%Above | 250 | |
12 | MORTGAGE FINANCIAL SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $1,762Fees | 0.464%Above | 39 | |
13 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $4,593Fees | 0.422%Above | 233 | |
14 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,687Fees | 0.569%Above | 185 | |
15 | AMERICAN PORTFOLIO MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,678Fees | 0.182%Above | 114 | |
16 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,297Fees | 0.663%Above | 105 | |
17 | THE MORTGAGE LINK, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,066Fees | 0.758%Above | 69 | |
18 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,797Fees | 0.589%Above | 62 | |
19 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $4,368Fees | 0.444%Above | 36 | |
20 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Sound | $2,524Fees | 0.555%Above | 28 | |
21 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $2,500Fees | 0.989%Above | 19 | |
22 | Waterstone Mortgage CorporationIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $3,429Fees | 0.088%Below | 59 | |
23 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,107Fees | 0.697%Above | 29 | |
24 | Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,168Fees | 0.050%Above | 27 | |
25 | CANOPY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,287Fees | 0.300%Above | 24 | |
26 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,115Fees | 0.717%Above | 22 | |
27 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,176Fees | 0.425%Above | 20 | |
28 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,750Fees | 0.174%Below | 192 | |
29 | SECURITYNATIONAL MORTGAGE COMPANYIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,675Fees | 0.963%Above | 55 | |
30 | GENEVA FINANCIAL, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Sound | $3,838Fees | 0.562%Above | 45 | |
31 | SUMMIT FUNDING, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Sound | $4,102Fees | 0.662%Above | 20 | |
32 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $2,976Fees | 0.565%Above | 168 | |
33 | SOUTHWEST FUNDING, LPIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $2,862Fees | 1.291%Above | 22 | |
34 | WILLOW BEND MORTGAGE COMPANY, LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Sound | $2,285Fees | 0.501%Above | 35 | |
35 | First Option Mortgage, LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Sound | $3,236Fees | 0.661%Above | 21 |
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.