Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | FIRST CONTINENTAL MORTGAGE, LTD.Independent Mortgage Company | Exceptional | Exceptional | Strong | Exceptional | Strong | $494Fees | 1.041%Below | 108 | |
2 | First National Bank TexasBank | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,495Fees | 0.161%Below | 359 | |
3 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,736Fees | 0.336%Below | 324 | |
4 | SWBC MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,232Fees | 0.054%Below | 233 | |
5 | Cadence BankBank | Exceptional | Strong | Exceptional | Strong | Strong | $2,195Fees | 0.059%Below | 133 | |
6 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,624Fees | 0.002%Above | 65 | |
7 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,271Fees | 0.227%Above | 58 | |
8 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,541Fees | 0.334%Above | 963 | |
9 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,703Fees | 0.584%Above | 358 | |
10 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Strong | Exceptional | Sound | Sound | $3,149Fees | 0.359%Below | 44 | |
11 | UNIVERSITY Federal Credit UnionCredit Union | Strong | Strong | Strong | Strong | Sound | $3,185Fees | 0.106%Above | 22 | |
12 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,218Fees | 0.100%Above | 242 | |
13 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Sound | $1,690Fees | 0.036%Above | 42 | |
14 | Plains Commerce BankBank | Strong | Sound | Exceptional | Strong | Sound | $3,391Fees | 0.093%Above | 24 | |
15 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Exceptional | $810Fees | 0.326%Above | 603 | |
16 | MORTGAGE SOLUTIONS OF COLORADO, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,760Fees | 0.668%Above | 129 | |
17 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,135Fees | 0.496%Above | 82 | |
18 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,684Fees | 0.056%Above | 70 | |
19 | Gateway First BankBank | Strong | Acceptable | Exceptional | Strong | Strong | $3,763Fees | 0.416%Above | 50 | |
20 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Sound | $1,321Fees | 0.087%Above | 44 | |
21 | Primis Mortgage CompanyIndependent Mortgage Company | Strong | Sound | Strong | Strong | Sound | $4,144Fees | 0.362%Above | 26 | |
22 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $4,084Fees | 0.422%Above | 42 | |
23 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $1,369Fees | 0.378%Below | 33 | |
24 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,556Fees | 0.361%Above | 30 | |
25 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,307Fees | 0.380%Above | 27 | |
26 | AMERICAN PORTFOLIO MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,627Fees | 0.277%Above | 26 | |
27 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,688Fees | 0.179%Above | 20 | |
28 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,502Fees | 0.626%Above | 84 | |
29 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $2,350Fees | 0.371%Above | 44 | |
30 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Sound | $4,806Fees | 0.349%Above | 33 | |
31 | Wolfe Financial, IncIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $2,300Fees | 0.382%Above | 67 | |
32 | SECURITYNATIONAL MORTGAGE COMPANYIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $4,011Fees | 0.224%Above | 21 | |
33 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Sound | $3,789Fees | 0.448%Above | 43 | |
34 | SENTE MORTGAGE, INC.Independent Mortgage Company | Sound | Mediocre | Strong | Strong | Sound | $4,218Fees | 0.527%Above | 21 |
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.