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 | $3,056Fees | 0.293%Above | 4,740 | |
2 | NEWREZ LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,483Fees | 0.329%Above | 605 | |
3 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,571Fees | 0.291%Above | 153 | |
4 | Plains Commerce BankBank | Exceptional | Strong | Exceptional | Sound | Strong | $2,432Fees | 0.366%Above | 424 | |
5 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,423Fees | 0.155%Above | 595 | |
6 | Barrington Bank & Trust Company, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $2,720Fees | 0.403%Above | 281 | |
7 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $4,935Fees | 0.619%Above | 150 | |
8 | Bell BankBank | Strong | Acceptable | Strong | Exceptional | Exceptional | $2,925Fees | 0.253%Above | 4,389 | |
9 | Alerus Financial, National AssociationBank | Strong | Sound | — | Strong | Exceptional | $1,608Fees | 0.259%Above | 958 | |
10 | Bremer Bank, National AssociationBank | Strong | Sound | Sound | Strong | Exceptional | $2,946Fees | 0.260%Above | 716 | |
11 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Sound | Strong | $2,385Fees | 0.259%Above | 578 | |
12 | Frandsen Bank & TrustBank | Strong | Sound | — | Strong | Exceptional | $2,442Fees | 0.065%Above | 418 | |
13 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,257Fees | 0.224%Above | 977 | |
14 | Summit Mortgage CorporationIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $3,170Fees | 0.354%Above | 639 | |
15 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,266Fees | 0.337%Above | 335 | |
16 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,865Fees | 0.409%Above | 2,661 | |
17 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,456Fees | 0.465%Above | 2,146 | |
18 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,706Fees | 0.511%Above | 1,611 | |
19 | Park State BankBank | Strong | Sound | — | Sound | Strong | $2,499Fees | 0.036%Below | 142 | |
20 | Luminate Home Loans, Inc.Independent Mortgage Company | Strong | Mediocre | Exceptional | Sound | Exceptional | $4,543Fees | 0.416%Above | 1,296 | |
21 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,183Fees | 0.529%Above | 399 | |
22 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,791Fees | 0.597%Above | 333 | |
23 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,351Fees | 0.461%Above | 305 |
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.