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 | Exceptional | Exceptional | $2,882Fees | 0.149%Above | 5,307 | |
2 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,913Fees | 0.074%Above | 354 | |
3 | KIND LENDING, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $3,118Fees | 0.382%Above | 352 | |
4 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,542Fees | 0.008%Below | 199 | |
5 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,679Fees | 0.124%Above | 177 | |
6 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $3,050Fees | 0.298%Above | 154 | |
7 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,135Fees | 0.591%Above | 85 | |
8 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,216Fees | 0.164%Below | 860 | |
9 | THE LOAN STORE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,761Fees | 0.268%Above | 701 | |
10 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,618Fees | 0.157%Above | 186 | |
11 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,396Fees | 0.269%Above | 181 | |
12 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,553Fees | 0.165%Above | 2,498 | |
13 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,555Fees | 0.340%Above | 276 | |
14 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,384Fees | 0.260%Above | 196 | |
15 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Exceptional | Sound | $2,233Fees | 0.328%Above | 57 | |
16 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,281Fees | 0.276%Above | 828 | |
17 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,746Fees | 0.374%Above | 136 | |
18 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $3,607Fees | 0.242%Above | 74 | |
19 | SUN WEST MORTGAGE COMPANY, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $4,216Fees | 0.033%Above | 59 | |
20 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,785Fees | 0.367%Above | 341 | |
21 | Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,218Fees | 0.221%Above | 309 | |
22 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,695Fees | 0.098%Above | 135 | |
23 | PEAK RESIDENTIAL LENDING INCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | Strong | $3,805Fees | 0.246%Above | 75 | |
24 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,866Fees | 0.416%Above | 700 | |
25 | CITY FIRST MORTGAGE SERVICES, L.L.C.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $3,487Fees | 0.312%Above | 119 | |
26 | ZILLOW HOME LOANS, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $3,673Fees | 0.219%Above | 91 | |
27 | ALAMEDA MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Strong | Exceptional | Strong | $4,242Fees | 0.383%Above | 170 | |
28 | PREMIER MORTGAGE RESOURCES, L.L.C.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $5,188Fees | 0.298%Above | 81 | |
29 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $3,885Fees | 0.564%Above | 70 | |
30 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $4,288Fees | 0.322%Above | 315 | |
31 | SCENIC OAKS FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $4,270Fees | 0.253%Above | 105 | |
32 | PACIFIC RESIDENTIAL MORTGAGE, LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $3,747Fees | 0.292%Above | 79 | |
33 | Luminate Home Loans, Inc.Independent Mortgage Company | Sound | Mediocre | Strong | Strong | Sound | $4,239Fees | 0.361%Above | 59 | |
34 | LINKED HOME LOANS, LLCIndependent Mortgage Company | Sound | Mediocre | — | Sound | Strong | $2,834Fees | 0.517%Above | 77 |
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.