Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,840Fees | 0.496%Above | 206 | |
2 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,950Fees | 0.275%Above | 202 | |
3 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,466Fees | 0.617%Above | 45 | |
4 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,001Fees | 0.544%Above | 188 | |
5 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,058Fees | 0.721%Above | 121 | |
6 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,212Fees | 0.755%Above | 45 | |
7 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,039Fees | 1.226%Above | 40 | |
8 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,899Fees | 0.899%Above | 35 | |
9 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,569Fees | 0.812%Above | 34 | |
10 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Sound | $1,339Fees | 0.119%Above | 19 | |
11 | MORTGAGE FINANCIAL SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $2,609Fees | 0.700%Above | 47 | |
12 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,182Fees | 0.639%Above | 25 | |
13 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,457Fees | 0.262%Above | 16 | |
14 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $4,146Fees | 0.463%Above | 12 | |
15 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $4,260Fees | 0.291%Above | 12 | |
16 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $1,223Fees | 0.470%Above | 78 | |
17 | NEWREZ LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $1,708Fees | 0.404%Above | 26 | |
18 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $2,367Fees | 0.630%Above | 16 | |
19 | GoodLeap, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Acceptable | $2,484Fees | 0.171%Above | 10 | |
20 | TEXAS MORTGAGE LENDING, LLCIndependent Mortgage Company | Sound | Sound | Sound | Acceptable | Sound | $1,771Fees | 0.238%Above | 24 | |
21 | EVERETT FINANCIAL, INC.Independent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $3,357Fees | 1.316%Above | 19 | |
22 | SOUTHWEST FUNDING, LPIndependent Mortgage Company | Sound | Mediocre | Sound | Sound | Sound | $5,624Fees | 0.545%Above | 18 |
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.