Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,702Fees | 0.261%Below | 666 | |
2 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,005Fees | 0.084%Below | 999 | |
3 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $1,201Fees | 0.078%Below | 148 | |
4 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,239Fees | 0.024%Above | 680 | |
5 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,833Fees | 0.106%Above | 209 | |
6 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,483Fees | 0.308%Above | 111 | |
7 | Plains Commerce BankBank | Strong | Sound | Exceptional | Strong | Strong | $2,290Fees | 0.094%Above | 55 | |
8 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,950Fees | 0.197%Above | 390 | |
9 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,513Fees | 0.135%Above | 368 | |
10 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,768Fees | 0.332%Above | 295 | |
11 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $1,330Fees | 0.050%Above | 179 | |
12 | V.I.P. MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,224Fees | 0.379%Above | 169 | |
13 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $5,858Fees | 0.780%Above | 134 | |
14 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $5,042Fees | 0.325%Above | 120 | |
15 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,160Fees | 0.273%Above | 83 | |
16 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,009Fees | 0.341%Above | 77 | |
17 | Bank of HawaiiBank | Strong | Acceptable | — | Strong | Exceptional | $4,032Fees | 0.177%Above | 357 | |
18 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,617Fees | 0.282%Above | 62 | |
19 | HIGHTECHLENDING INCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $4,789Fees | 0.443%Above | 45 | |
20 | SECURITYNATIONAL MORTGAGE COMPANYIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $6,986Fees | 0.448%Above | 89 | |
21 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,076Fees | 0.354%Above | 82 | |
22 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $5,858Fees | 0.587%Above | 45 | |
23 | DAS Acquisition Company, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Sound | $5,259Fees | 0.339%Above | 37 |
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.