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 | $2,275Fees | 0.039%Below | 695 | |
2 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,203Fees | 0.034%Below | 77 | |
3 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $1,802Fees | 0.005%Below | 175 | |
4 | NBKC BANKBank | Exceptional | Exceptional | Strong | Sound | Sound | $701Fees | 0.209%Below | 35 | |
5 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,727Fees | 0.123%Above | 623 | |
6 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,625Fees | 0.177%Above | 218 | |
7 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $426Fees | 0.436%Above | 114 | |
8 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,774Fees | 0.102%Above | 100 | |
9 | 1st Security Bank of WashingtonBank | Strong | Sound | Strong | Exceptional | Strong | $3,155Fees | 0.211%Above | 98 | |
10 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,433Fees | 0.382%Above | 418 | |
11 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,592Fees | 0.272%Above | 326 | |
12 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,300Fees | 0.354%Above | 324 | |
13 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,798Fees | 0.340%Above | 217 | |
14 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $1,551Fees | 0.286%Above | 150 | |
15 | CORNERSTONE CAPITAL BANK, SSBBank | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,206Fees | 0.408%Above | 147 | |
16 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,321Fees | 0.304%Above | 141 | |
17 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $5,589Fees | 0.265%Above | 73 | |
18 | Plains Commerce BankBank | Strong | Sound | Exceptional | Strong | Sound | $2,148Fees | 0.016%Below | 23 | |
19 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $4,978Fees | 0.493%Above | 289 | |
20 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,191Fees | 0.046%Above | 118 | |
21 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,363Fees | 0.187%Above | 74 | |
22 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $4,815Fees | 0.348%Above | 34 | |
23 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,975Fees | 0.454%Above | 409 | |
24 | EVERGREEN MONEYSOURCE MORTGAGE COMPANYIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $5,444Fees | 0.523%Above | 140 | |
25 | CANOPY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $5,355Fees | 0.517%Above | 34 | |
26 | ENVOY MORTGAGE, LTDIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $5,076Fees | 0.191%Above | 31 | |
27 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $4,424Fees | 0.352%Above | 191 | |
28 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $2,952Fees | 0.057%Below | 46 | |
29 | Luminate Home Loans, Inc.Independent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $5,684Fees | 0.501%Above | 38 |
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.