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 | Strong | Exceptional | Exceptional | Exceptional | $3,005Fees | 0.084%Below | 999 | |
2 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,702Fees | 0.261%Below | 666 | |
3 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,513Fees | 0.135%Above | 368 | |
4 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,159Fees | 0.551%Below | 110 | |
5 | Ameris BankBank | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,800Fees | 0.048%Below | 61 | |
6 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,950Fees | 0.197%Above | 390 | |
7 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,201Fees | 0.078%Below | 148 | |
8 | KIND LENDING, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $3,483Fees | 0.308%Above | 111 | |
9 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $950Fees | 0.145%Above | 29 | |
10 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,239Fees | 0.024%Above | 680 | |
11 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,833Fees | 0.106%Above | 209 | |
12 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,330Fees | 0.050%Above | 179 | |
13 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $4,160Fees | 0.273%Above | 83 | |
14 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,781Fees | 0.039%Above | 77 | |
15 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $4,009Fees | 0.341%Above | 77 | |
16 | Plains Commerce BankBank | Strong | Sound | Exceptional | Strong | Strong | $2,290Fees | 0.094%Above | 55 | |
17 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | Sound | $5,027Fees | 0.452%Above | 29 | |
18 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,768Fees | 0.332%Above | 295 | |
19 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $5,858Fees | 0.780%Above | 134 | |
20 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $5,042Fees | 0.325%Above | 120 | |
21 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Sound | $4,080Fees | 0.162%Above | 25 | |
22 | American Savings Bank, FSBBank | Strong | Acceptable | Strong | Strong | Exceptional | $3,530Fees | 0.030%Below | 425 | |
23 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,706Fees | 0.171%Above | 233 | |
24 | V.I.P. MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,224Fees | 0.379%Above | 169 | |
25 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,076Fees | 0.354%Above | 82 | |
26 | HOMEBRIDGE FINANCIAL SERVICES, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Sound | $3,337Fees | 0.256%Above | 24 | |
27 | Bank of HawaiiBank | Strong | Acceptable | — | Strong | Exceptional | $4,032Fees | 0.177%Above | 357 | |
28 | LAND HOME FINANCIAL SERVICES, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $5,255Fees | 0.314%Below | 45 | |
29 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,352Fees | 0.265%Above | 42 | |
30 | DAS Acquisition Company, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $5,259Fees | 0.339%Above | 37 | |
31 | PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $1,697Fees | 0.031%Above | 63 | |
32 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,617Fees | 0.282%Above | 62 | |
33 | CANOPY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $2,433Fees | 0.286%Above | 54 | |
34 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $5,858Fees | 0.587%Above | 45 | |
35 | CITY FIRST MORTGAGE SERVICES, L.L.C.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Sound | $4,289Fees | 0.396%Above | 28 | |
36 | SECURITYNATIONAL MORTGAGE COMPANYIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $6,986Fees | 0.448%Above | 89 | |
37 | ALAMEDA MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Strong | Exceptional | Sound | $5,392Fees | 0.250%Above | 32 | |
38 | The Federal Savings BankBank | Sound | Mediocre | Exceptional | Sound | Sound | $3,380Fees | 0.781%Above | 27 |
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.