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 | $3,333Fees | 0.071%Above | 425 | |
2 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $3,476Fees | 0.302%Below | 34 | |
3 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,546Fees | 0.286%Above | 203 | |
4 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,758Fees | 0.149%Above | 46 | |
5 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Strong | Exceptional | Sound | Sound | $3,389Fees | 0.282%Below | 23 | |
6 | GoodLeap, LLCIndependent Mortgage Company | Strong | Strong | Exceptional | Sound | Sound | $3,616Fees | 0.101%Below | 20 | |
7 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $5,029Fees | 0.162%Above | 68 | |
8 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,759Fees | 0.536%Above | 37 | |
9 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,597Fees | 0.044%Below | 18 | |
10 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,992Fees | 0.383%Above | 106 | |
11 | MORTGAGE SOLUTIONS OF COLORADO, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,133Fees | 0.399%Above | 62 | |
12 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,328Fees | 0.693%Above | 40 | |
13 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,620Fees | 0.421%Above | 38 | |
14 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,213Fees | 0.042%Above | 25 | |
15 | AMERICAN FINANCING CORPORATIONIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Sound | $4,748Fees | 0.051%Below | 13 | |
16 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $1,851Fees | 0.235%Above | 29 | |
17 | Midwest Mortgage Associates CorporationIndependent Mortgage Company | Strong | Sound | Strong | Sound | Sound | $3,474Fees | 0.333%Above | 19 | |
18 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $5,085Fees | 1.339%Above | 16 | |
19 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,378Fees | 0.609%Above | 83 | |
20 | MASON MCDUFFIE MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Sound | $3,120Fees | 0.481%Above | 12 | |
21 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $4,176Fees | 0.782%Above | 43 | |
22 | PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $4,489Fees | 0.051%Above | 20 | |
23 | Loan Simple, Inc.Independent Mortgage Company | Sound | Mediocre | Strong | Strong | Sound | $1,587Fees | 0.586%Above | 11 |
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.