Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $4,087Fees | 0.037%Above | 68 | |
2 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Sound | Strong | Exceptional | $1,680Fees | 0.088%Above | 71 | |
3 | Northpointe BankBank | Strong | Sound | Strong | Exceptional | $3,954Fees | 0.670%Above | 55 | |
4 | American Savings Bank, FSBBank | Strong | Acceptable | Exceptional | Exceptional | $3,196Fees | 0.037%Above | 58 | |
5 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $3,931Fees | 0.079%Below | 40 | |
6 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Strong | $2,411Fees | 0.109%Below | 23 | |
7 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $4,763Fees | 0.154%Above | 41 | |
8 | Bank of HawaiiBank | Strong | Acceptable | Strong | Exceptional | $3,236Fees | 0.129%Above | 34 | |
9 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $4,527Fees | 0.519%Above | 26 | |
10 | PACIFIC HOME LOANS, INC.Independent Mortgage Company | Strong | Acceptable | Sound | Exceptional | $4,092Fees | 0.356%Above | 34 | |
11 | First Hawaiian BankBank | Sound | Mediocre | Strong | Exceptional | $5,440Fees | 0.627%Above | 44 | |
12 | ALAMEDA MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | $4,156Fees | 0.272%Above | 23 | |
13 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | $3,937Fees | 0.541%Above | 20 |
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.