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 | Sound | Exceptional | Exceptional | Exceptional | $2,373Fees | 0.118%Above | 807 | |
2 | AUGUSTA FINANCIAL, INC.Independent Mortgage Company | Exceptional | Strong | Strong | Strong | Exceptional | $3,603Fees | 0.128%Above | 101 | |
3 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,349Fees | 0.043%Below | 62 | |
4 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $160Fees | 0.066%Above | 81 | |
5 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,509Fees | 0.146%Above | 584 | |
6 | MLD MORTGAGE INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,563Fees | 0.062%Above | 118 | |
7 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $2,159Fees | 0.173%Above | 86 | |
8 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,307Fees | 0.110%Above | 64 | |
9 | FIRST COLONY MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,119Fees | 0.263%Above | 44 | |
10 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,068Fees | 0.291%Above | 193 | |
11 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $3,005Fees | 0.218%Above | 128 | |
12 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,731Fees | 0.140%Above | 40 | |
13 | NATIONS DIRECT MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,558Fees | 0.324%Above | 31 | |
14 | GOLDEN EMPIRE MORTGAGE, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $2,137Fees | 0.255%Above | 157 | |
15 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,201Fees | 0.140%Above | 106 | |
16 | OCMBC, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,889Fees | 0.520%Above | 100 | |
17 | Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,666Fees | 0.108%Above | 66 | |
18 | PFN Lending Group, Inc.Independent Mortgage Company | Strong | Acceptable | Strong | Exceptional | Strong | $3,271Fees | 0.387%Above | 51 | |
19 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,627Fees | 0.256%Above | 47 | |
20 | Nations Lending CorporationIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $6,148Fees | 0.758%Above | 41 | |
21 | DIGNIFIED HOME LOANS, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $4,807Fees | 0.334%Above | 68 | |
22 | Hometown Equity Mortgage, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Sound | $1,253Fees | 0.433%Above | 23 | |
23 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $572Credit | 0.541%Above | 22 | |
24 | JMAC LENDING, INC.Independent Mortgage Company | Strong | Sound | Strong | Sound | Sound | $1,776Fees | 0.223%Above | 19 | |
25 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $1,790Fees | 0.001%Below | 17 | |
26 | SUN WEST MORTGAGE COMPANY, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $5,782Fees | 0.126%Above | 15 | |
27 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,163Fees | 0.476%Above | 138 | |
28 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Sound | $5,629Fees | 0.345%Above | 39 | |
29 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $2,203Fees | 0.276%Above | 54 | |
30 | AXIA FINANCIAL, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $2,656Fees | 0.057%Below | 20 | |
31 | ML Mortgage Corp.Independent Mortgage Company | Sound | Mediocre | Strong | Strong | Sound | $6,611Fees | 0.109%Above | 26 |
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.