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 | $3,152Fees | 0.097%Above | 1,693 | |
2 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,662Fees | 0.011%Above | 70 | |
3 | FIRST COLONY MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,461Fees | 0.106%Above | 1,031 | |
4 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $1,050Fees | 0.054%Above | 83 | |
5 | INTERCAP LENDING INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,974Fees | 0.252%Above | 563 | |
6 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,106Fees | 0.119%Above | 490 | |
7 | MY MOVE MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $2,935Fees | 0.137%Below | 282 | |
8 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,866Fees | 0.206%Above | 219 | |
9 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,933Fees | 0.212%Above | 211 | |
10 | Mountain America Federal Credit UnionCredit Union | Strong | Strong | Strong | Sound | Strong | $3,759Fees | 0.246%Below | 171 | |
11 | CLM MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Strong | Exceptional | Strong | $5,954Fees | 0.169%Above | 111 | |
12 | Plains Commerce BankBank | Strong | Sound | Exceptional | Strong | Strong | $3,686Fees | 0.040%Below | 106 | |
13 | NEST HOME LENDING, LLCIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | Strong | $4,783Fees | 0.220%Below | 103 | |
14 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $878Fees | 0.338%Below | 76 | |
15 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,732Fees | 0.282%Above | 341 | |
16 | SECURITY HOME MORTGAGE, LLC.Independent Mortgage Company | Strong | Acceptable | Strong | Exceptional | Exceptional | $4,433Fees | 0.322%Above | 218 | |
17 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,241Fees | 0.232%Above | 81 | |
18 | Northpointe BankBank | Strong | Sound | Exceptional | Strong | Sound | $2,146Fees | 0.274%Below | 44 | |
19 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,195Fees | 0.145%Above | 24 | |
20 | UTAH COMMUNITY FEDERAL CREDIT UNIONCredit Union | Strong | Sound | Sound | Sound | Exceptional | $2,459Fees | 0.041%Below | 232 | |
21 | CANOPY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,286Fees | 0.040%Above | 154 | |
22 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,671Fees | 0.085%Above | 86 | |
23 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Sound | $2,926Fees | 0.373%Above | 61 | |
24 | SECURITYNATIONAL MORTGAGE COMPANYIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $5,491Fees | 0.473%Above | 357 | |
25 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,695Fees | 0.330%Above | 58 | |
26 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,314Fees | 0.040%Above | 48 | |
27 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,084Fees | 0.302%Above | 42 | |
28 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,895Fees | 0.543%Above | 24 | |
29 | Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $4,087Fees | 0.026%Above | 22 | |
30 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,593Fees | 0.701%Above | 82 | |
31 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Sound | $3,718Fees | 0.517%Above | 44 | |
32 | GARDNER FINANCIAL SERVICES, LTD.Independent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Sound | $5,986Fees | 0.893%Above | 25 | |
33 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $1,929Fees | 0.143%Below | 44 | |
34 | AXIA FINANCIAL, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $4,442Fees | 0.128%Above | 37 | |
35 | NATIONS RELIABLE LENDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $4,992Fees | 0.096%Below | 35 | |
36 | PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $3,309Fees | 0.247%Above | 28 | |
37 | Luminate Home Loans, Inc.Independent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $5,908Fees | 0.649%Above | 22 | |
38 | VERITAS FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Sound | Strong | $5,984Fees | 0.339%Above | 110 | |
39 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Sound | $3,915Fees | 0.324%Above | 49 | |
40 | Cornerstone First Mortgage, IncIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Sound | $4,608Fees | 0.245%Above | 22 | |
41 | CASTLE & COOKE MORTGAGE, LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Sound | $4,280Fees | 0.264%Above | 21 |
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.