Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | American Savings Bank, FSBBank | Exceptional | Sound | Strong | Exceptional | Exceptional | $3,196Fees | 0.037%Above | 58 | |
2 | Northpointe BankBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,954Fees | 0.670%Above | 55 | |
3 | Morgan Stanley Private Bank, National AssociationBank | Exceptional | Exceptional | Strong | Sound | Sound | $488Fees | 0.557%Below | 15 | |
4 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,087Fees | 0.037%Above | 68 | |
5 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,931Fees | 0.079%Below | 40 | |
6 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,680Fees | 0.088%Above | 71 | |
7 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,763Fees | 0.154%Above | 41 | |
8 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,527Fees | 0.519%Above | 26 | |
9 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $2,411Fees | 0.109%Below | 23 | |
10 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Sound | $1,456Fees | 0.158%Above | 13 | |
11 | MLD MORTGAGE INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Sound | $4,071Fees | 0.305%Above | 11 | |
12 | PACIFIC HOME LOANS, INC.Independent Mortgage Company | Strong | Acceptable | Sound | Strong | Exceptional | $4,092Fees | 0.356%Above | 34 | |
13 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,713Fees | 0.250%Above | 18 | |
14 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,167Fees | 0.316%Above | 14 | |
15 | First Hawaiian BankBank | Strong | Mediocre | Strong | Strong | Exceptional | $5,440Fees | 0.627%Above | 44 | |
16 | Bank of HawaiiBank | Strong | Mediocre | Strong | Strong | Exceptional | $3,236Fees | 0.129%Above | 34 | |
17 | ALAMEDA MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,156Fees | 0.272%Above | 23 | |
18 | NEWREZ LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $2,905Fees | 0.006%Above | 15 | |
19 | HAWAIIAN FINANCIAL FEDERAL CREDIT UNIONCredit Union | Strong | Acceptable | Sound | Exceptional | Sound | $9,000Fees | 0.433%Below | 13 | |
20 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $3,937Fees | 0.541%Above | 20 | |
21 | NEXERA HOLDING LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Sound | Sound | $5,180Fees | 0.850%Above | 19 | |
22 | Central Pacific BankBank | Sound | Mediocre | Sound | Strong | Sound | $8,053Fees | 0.082%Above | 12 | |
23 | SECURITYNATIONAL MORTGAGE COMPANYIndependent Mortgage Company | Sound | Mediocre | Strong | Sound | Sound | $5,635Fees | 1.098%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.