Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | DIRECTIONS EQUITY, LLCIndependent Mortgage Company | Exceptional | Strong | Strong | Exceptional | Exceptional | $3,645Fees | 0.170%Above | 145 | |
2 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,486Fees | 0.297%Above | 271 | |
3 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,620Fees | 0.013%Above | 90 | |
4 | INTERLINC MORTGAGE SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $5,862Fees | 0.896%Above | 83 | |
5 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,599Fees | 0.649%Above | 320 | |
6 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $3,651Fees | 0.304%Above | 78 | |
7 | U.S. Bank National AssociationBank | Strong | Strong | Exceptional | Sound | Sound | $2,640Fees | 0.034%Above | 31 | |
8 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Strong | Exceptional | Sound | Sound | $1,434Fees | 0.035%Below | 26 | |
9 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,556Fees | 0.608%Above | 444 | |
10 | STONEWOOD HOME LENDING, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | Exceptional | $4,883Fees | 0.535%Above | 249 | |
11 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,314Fees | 0.576%Above | 181 | |
12 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,447Fees | 0.448%Above | 160 | |
13 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,753Fees | 0.587%Above | 160 | |
14 | Nations Lending CorporationIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $5,386Fees | 0.603%Above | 62 | |
15 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,016Fees | 0.389%Above | 52 | |
16 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $3,393Fees | 0.296%Above | 14 | |
17 | RIGHT START MORTGAGE, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $5,348Fees | 0.878%Above | 177 | |
18 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,219Fees | 0.603%Above | 124 | |
19 | Lone Star National BankBank | Strong | Sound | Sound | Sound | Exceptional | $4,167Fees | 0.405%Above | 96 | |
20 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Sound | $1,753Fees | 0.985%Above | 25 | |
21 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,486Fees | 0.925%Above | 17 | |
22 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $5,228Fees | 0.922%Above | 372 | |
23 | DAS Acquisition Company, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $3,747Fees | 0.440%Above | 141 | |
24 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,155Fees | 0.250%Above | 27 | |
25 | SUN WEST MORTGAGE COMPANY, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $4,259Fees | 0.662%Above | 23 | |
26 | Gateway First BankBank | Strong | Acceptable | Exceptional | Strong | Sound | $2,763Fees | 0.396%Above | 18 | |
27 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,023Fees | 0.400%Above | 18 | |
28 | AMERICAN PORTFOLIO MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,866Fees | 0.511%Above | 16 | |
29 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,947Fees | 0.142%Above | 11 | |
30 | WILLOW BEND MORTGAGE COMPANY, LLCIndependent Mortgage Company | Strong | Mediocre | Strong | Strong | Exceptional | $5,464Fees | 0.809%Above | 321 | |
31 | NATIONS RELIABLE LENDING, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,771Fees | 0.928%Above | 57 | |
32 | SOUTHWEST FUNDING, LPIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,192Fees | 0.944%Above | 43 | |
33 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Sound | $5,316Fees | 0.920%Above | 42 | |
34 | PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $3,113Fees | 1.055%Above | 22 | |
35 | SECURITYNATIONAL MORTGAGE COMPANYIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $4,219Fees | 0.854%Above | 11 | |
36 | CITY FIRST MORTGAGE SERVICES, L.L.C.Independent Mortgage Company | Sound | Mediocre | Strong | Strong | Sound | $5,769Fees | 0.562%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.