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 | $3,487Fees | 0.109%Above | 244 | |
2 | FIRST COLONY MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $3,867Fees | 0.045%Above | 212 | |
3 | Bank of UtahBank | Strong | Sound | Strong | Exceptional | $3,632Fees | 0.321%Below | 101 | |
4 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $5,640Fees | 0.090%Above | 247 | |
5 | Cache Valley BankBank | Strong | Sound | Sound | Exceptional | $2,693Fees | 0.022%Above | 80 | |
6 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $4,734Fees | 0.061%Above | 81 | |
7 | INTERCAP LENDING INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,541Fees | 0.334%Above | 55 | |
8 | AMERICA FIRST Federal Credit UnionCredit Union | Strong | Sound | Sound | Strong | $1,480Fees | 0.079%Below | 54 | |
9 | Mountain America Federal Credit UnionCredit Union | Strong | Sound | Sound | Strong | $3,566Fees | 0.203%Below | 38 | |
10 | GOLDENWESTCredit Union | Strong | Acceptable | Sound | Exceptional | $3,766Fees | 0.151%Below | 74 | |
11 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,387Fees | 0.105%Above | 60 | |
12 | Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,586Fees | 0.067%Above | 49 | |
13 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $4,303Fees | 0.125%Above | 35 | |
14 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Sound | Acceptable | Strong | Sound | $4,056Fees | 0.132%Below | 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.