Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,227Fees | 0.223%Above | 433 | |
2 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $3,208Fees | 0.065%Below | 44 | |
3 | Flagstar Bank, N.A.Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,253Fees | 0.481%Above | 173 | |
4 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $911Fees | 0.463%Above | 118 | |
5 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,350Fees | 0.315%Above | 275 | |
6 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,832Fees | 0.098%Above | 51 | |
7 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,085Fees | 0.312%Above | 47 | |
8 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Strong | Exceptional | Sound | Sound | $3,263Fees | 0.050%Below | 35 | |
9 | GoodLeap, LLCIndependent Mortgage Company | Strong | Strong | Exceptional | Sound | Sound | $5,216Fees | 0.111%Below | 17 | |
10 | SUN AMERICAN MORTGAGE COMPANYIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $2,411Fees | 0.178%Above | 55 | |
11 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,487Fees | 0.691%Above | 46 | |
12 | NOVA FINANCIAL & INVESTMENT CORPORATIONIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $3,486Fees | 1.140%Above | 15 | |
13 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $3,459Fees | 0.767%Above | 145 | |
14 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,505Fees | 0.138%Above | 103 | |
15 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,629Fees | 0.359%Above | 77 | |
16 | GENEVA FINANCIAL, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,927Fees | 0.708%Above | 58 | |
17 | MASON MCDUFFIE MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $2,051Fees | 0.320%Above | 38 | |
18 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,861Fees | 0.646%Above | 32 | |
19 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $4,169Fees | 0.950%Above | 19 | |
20 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Sound | Exceptional | $3,883Fees | 0.546%Above | 158 | |
21 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,002Fees | 0.812%Above | 56 | |
22 | RESIDENTIAL WHOLESALE MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Sound | $1,483Fees | 0.454%Above | 22 | |
23 | PACIFIC RESIDENTIAL MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Sound | $3,963Fees | 0.745%Above | 17 | |
24 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $3,022Fees | 0.344%Above | 27 | |
25 | US MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Sound | $4,359Fees | 0.337%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.