Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,257Fees | 0.479%Above | 989 | |
2 | Arvest BankBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,590Fees | 0.498%Above | 227 | |
3 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $1,833Fees | 0.490%Above | 22 | |
4 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | Sound | $2,517Fees | 0.370%Above | 35 | |
5 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Strong | Exceptional | Sound | Sound | $269Fees | 0.041%Below | 13 | |
6 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,455Fees | 0.526%Above | 180 | |
7 | First Community BankBank | Strong | Sound | Strong | Strong | Strong | $3,299Fees | 0.518%Above | 52 | |
8 | GERSHMAN INVESTMENT CORP.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $1,665Fees | 0.257%Above | 35 | |
9 | The Central Trust BankBank | Strong | Sound | Exceptional | Strong | Sound | $1,735Fees | 0.478%Above | 23 | |
10 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $3,654Fees | 0.192%Above | 20 | |
11 | Gateway First BankBank | Strong | Acceptable | Exceptional | Strong | Strong | $1,524Fees | 0.748%Above | 60 | |
12 | Midwest Mortgage Associates CorporationIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $977Fees | 0.388%Above | 51 | |
13 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Sound | $2,926Fees | 0.580%Above | 17 | |
14 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $233Fees | 1.196%Above | 69 | |
15 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $854Fees | 0.388%Above | 19 | |
16 | DAS Acquisition Company, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Sound | $2,478Fees | 0.446%Above | 20 | |
17 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Sound | $2,524Fees | 0.639%Above | 12 |
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.