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 | Strong | Exceptional | Strong | Exceptional | $2,085Fees | 0.562%Above | 2,139 | |
2 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,931Fees | 0.448%Above | 99 | |
3 | Magnolia Bank, IncorporatedBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,851Fees | 0.309%Above | 487 | |
4 | INTERLINC MORTGAGE SERVICES, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,539Fees | 0.618%Above | 355 | |
5 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,844Fees | 0.542%Above | 202 | |
6 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,069Fees | 0.475%Above | 139 | |
7 | STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,640Fees | 0.473%Above | 438 | |
8 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,449Fees | 0.880%Above | 93 | |
9 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Strong | Sound | Exceptional | Sound | Sound | $2,527Fees | 0.586%Above | 60 | |
10 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $2,489Fees | 0.694%Above | 185 | |
11 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $1,700Fees | 0.434%Above | 143 | |
12 | Click n' Close, Inc.Independent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $6,490Fees | 1.530%Above | 62 |
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.