Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Citizens Bank of Las CrucesBank | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,360Fees | 0.276%Above | 237 | |
2 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,956Fees | 0.033%Above | 191 | |
3 | Rocky Mountain Mortgage CompanyIndependent Mortgage Company | Exceptional | Exceptional | Strong | Sound | Strong | $1,658Fees | 0.221%Below | 73 | |
4 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $2,322Fees | 0.289%Above | 27 | |
5 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,358Fees | 0.468%Above | 216 | |
6 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Strong | Exceptional | Sound | Sound | $1,080Fees | 0.024%Below | 21 | |
7 | GoodLeap, LLCIndependent Mortgage Company | Strong | Strong | Exceptional | Sound | Sound | $5,183Fees | 0.885%Above | 12 | |
8 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,517Fees | 0.280%Above | 73 | |
9 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $3,459Fees | 0.282%Above | 34 | |
10 | Plains Commerce BankBank | Strong | Sound | Exceptional | Strong | Sound | $2,397Fees | 0.236%Above | 30 | |
11 | MICHIGAN MUTUAL, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $1,224Fees | 0.524%Above | 26 | |
12 | NOVA FINANCIAL & INVESTMENT CORPORATIONIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $1,337Fees | 0.208%Above | 17 | |
13 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,557Fees | 0.617%Above | 102 | |
14 | Commerce Home Mortgage, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,299Fees | 0.622%Above | 60 | |
15 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Acceptable | $2,872Fees | 0.358%Above | 10 | |
16 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,260Fees | 0.003%Below | 148 | |
17 | Waterstone Mortgage CorporationIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,184Fees | 0.558%Above | 100 | |
18 | Gateway First BankBank | Strong | Acceptable | Exceptional | Strong | Sound | $1,489Fees | 0.457%Above | 32 | |
19 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $4,841Fees | 0.178%Above | 24 | |
20 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,612Fees | 0.628%Above | 21 | |
21 | LOANPEOPLE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | Sound | $3,932Fees | 0.640%Above | 17 | |
22 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,602Fees | 0.395%Above | 12 | |
23 | RIGHT START MORTGAGE, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Sound | $2,331Fees | 0.684%Above | 26 | |
24 | PACIFIC RESIDENTIAL MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Sound | $1,005Fees | 0.314%Above | 23 | |
25 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Sound | $4,834Fees | 0.568%Above | 15 | |
26 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $3,207Fees | 0.693%Above | 46 | |
27 | Click n' Close, Inc.Independent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $3,888Fees | 1.800%Above | 26 |
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.