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 | Exceptional | Exceptional | $3,486Fees | 0.297%Above | 271 | |
2 | DIRECTIONS EQUITY, LLCIndependent Mortgage Company | Exceptional | Strong | Strong | Exceptional | Exceptional | $3,645Fees | 0.170%Above | 145 | |
3 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $4,556Fees | 0.608%Above | 444 | |
4 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $4,314Fees | 0.576%Above | 181 | |
5 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $4,219Fees | 0.603%Above | 124 | |
6 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,620Fees | 0.013%Above | 90 | |
7 | CORNERSTONE CAPITAL BANK, SSBBank | Exceptional | Strong | Exceptional | Exceptional | Sound | $645Fees | 0.773%Below | 31 | |
8 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Sound | $725Fees | 0.599%Below | 29 | |
9 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,447Fees | 0.448%Above | 160 | |
10 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Sound | $2,640Fees | 0.034%Above | 31 | |
11 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,599Fees | 0.649%Above | 320 | |
12 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $3,651Fees | 0.304%Above | 78 | |
13 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $5,228Fees | 0.922%Above | 372 | |
14 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,753Fees | 0.587%Above | 160 | |
15 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,016Fees | 0.389%Above | 52 | |
16 | DAS Acquisition Company, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,747Fees | 0.440%Above | 141 | |
17 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,009Fees | 1.162%Above | 100 | |
18 | Nations Lending CorporationIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $5,386Fees | 0.603%Above | 62 | |
19 | SOUTHWEST FUNDING, LPIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $4,192Fees | 0.944%Above | 43 | |
20 | MORTGAGE SOLUTIONS OF COLORADO, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $1,627Fees | 0.623%Above | 13 | |
21 | WILLOW BEND MORTGAGE COMPANY, LLCIndependent Mortgage Company | Strong | Mediocre | Strong | Strong | Exceptional | $5,464Fees | 0.809%Above | 321 | |
22 | RIGHT START MORTGAGE, INC.Independent Mortgage Company | Strong | Mediocre | Strong | Strong | Exceptional | $5,348Fees | 0.878%Above | 177 | |
23 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $3,023Fees | 0.400%Above | 18 | |
24 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $5,316Fees | 0.920%Above | 42 |
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.