Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $3,127Fees | 0.582%Above | 162 | |
2 | DIRECTIONS EQUITY, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | $2,121Fees | 0.962%Above | 47 | |
3 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $4,150Fees | 0.793%Above | 178 | |
4 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | $3,934Fees | 0.681%Above | 105 | |
5 | FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Sound | $2,367Fees | 0.566%Above | 21 | |
6 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,997Fees | 0.545%Above | 92 | |
7 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $4,590Fees | 0.943%Above | 61 | |
8 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Sound | $3,526Fees | 0.166%Above | 30 | |
9 | RIGHT START MORTGAGE, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | $4,899Fees | 1.138%Above | 84 | |
10 | SFMC, LPIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $4,400Fees | 1.161%Above | 60 | |
11 | Nations Lending CorporationIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | $4,131Fees | 0.527%Above | 27 | |
12 | EVERETT FINANCIAL, INC.Independent Mortgage Company | Sound | Mediocre | Exceptional | Strong | $4,490Fees | 1.150%Above | 54 | |
13 | Mortgage Research Center, LLCIndependent Mortgage Company | Sound | Acceptable | Strong | Sound | $3,692Fees | 1.470%Above | 36 | |
14 | LOWER, LLCIndependent Mortgage Company | Sound | Acceptable | Strong | Sound | $4,488Fees | 0.597%Above | 35 | |
15 | Waterstone Mortgage CorporationIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | $4,321Fees | 1.002%Above | 69 | |
16 | NATIONS RELIABLE LENDING, LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | $4,297Fees | 0.918%Above | 52 | |
17 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD.Independent Mortgage Company | Sound | Mediocre | Strong | Strong | $4,136Fees | 0.936%Above | 49 |
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.