Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | RESIDENTIAL MORTGAGE NETWORK, INC.Independent Mortgage Company | Exceptional | Exceptional | Exceptional | Exceptional | Exceptional | $1,199Fees | 0.017%Below | 424 | |
2 | IOWA BANKERS MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Exceptional | $1,157Fees | 0.056%Below | 2,020 | |
3 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,183Fees | 0.292%Above | 717 | |
4 | GERSHMAN INVESTMENT CORP.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,334Fees | 0.037%Below | 466 | |
5 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,443Fees | 0.464%Above | 431 | |
6 | V.I.P. MORTGAGE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $1,630Fees | 0.399%Above | 94 | |
7 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Exceptional | Sound | $2,375Fees | 0.386%Above | 99 | |
8 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,834Fees | 0.993%Above | 157 | |
9 | STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,337Fees | 0.637%Above | 131 | |
10 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $2,805Fees | 0.529%Above | 1,138 | |
11 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,470Fees | 0.606%Above | 315 | |
12 | Waterstone Mortgage CorporationIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $4,835Fees | 0.289%Above | 84 |
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.