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 | $3,456Fees | 0.047%Above | 262 | |
2 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,768Fees | 0.065%Below | 66 | |
3 | KeyBank National AssociationBank | Exceptional | Exceptional | Strong | Sound | Strong | $2,781Fees | 0.020%Below | 40 | |
4 | NATIONS DIRECT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,349Fees | 0.275%Above | 162 | |
5 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $2,553Fees | 0.183%Above | 60 | |
6 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,745Fees | 0.159%Above | 282 | |
7 | LPMC, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $3,516Fees | 0.393%Above | 85 | |
8 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,873Fees | 0.163%Above | 60 | |
9 | GoodLeap, LLCIndependent Mortgage Company | Strong | Strong | Exceptional | Sound | Sound | $5,821Fees | 0.527%Below | 12 | |
10 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,796Fees | 0.352%Above | 389 | |
11 | Synergy One Lending, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,899Fees | 0.266%Above | 145 | |
12 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $3,266Fees | 0.236%Above | 102 | |
13 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $5,027Fees | 0.484%Above | 62 | |
14 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $5,383Fees | 0.414%Above | 58 | |
15 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $3,552Fees | 0.213%Above | 34 | |
16 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Sound | $3,249Fees | 0.291%Above | 33 | |
17 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $3,274Fees | 0.303%Above | 26 | |
18 | MORTGAGE EXPRESS, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $4,043Fees | 0.492%Above | 88 | |
19 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,691Fees | 0.088%Above | 71 | |
20 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $5,189Fees | 0.166%Above | 69 | |
21 | Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,425Fees | 0.069%Above | 52 | |
22 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $5,109Fees | 0.481%Above | 41 | |
23 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,264Fees | 0.227%Above | 39 | |
24 | Umpqua BankBank | Strong | Acceptable | Strong | Strong | Strong | $3,402Fees | 0.146%Above | 64 | |
25 | EVERGREEN MONEYSOURCE MORTGAGE COMPANYIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,352Fees | 0.666%Above | 44 | |
26 | PACIFIC RESIDENTIAL MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $5,750Fees | 0.382%Above | 34 | |
27 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $329Credit | 0.362%Above | 24 | |
28 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $4,712Fees | 0.122%Above | 24 | |
29 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,458Fees | 0.592%Above | 21 | |
30 | SUN WEST MORTGAGE COMPANY, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $6,600Fees | 0.132%Above | 15 | |
31 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $6,693Fees | 1.062%Above | 12 | |
32 | MORTGAGE SOLUTIONS OF COLORADO, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $4,283Fees | 0.106%Above | 11 | |
33 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,531Fees | 0.622%Above | 78 | |
34 | CHURCHILL MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,848Fees | 0.494%Above | 46 | |
35 | SUMMIT FUNDING, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Sound | $6,886Fees | 0.820%Above | 21 | |
36 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Sound | $5,958Fees | 0.515%Above | 17 | |
37 | PANORAMA MORTGAGE GROUP, LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $6,734Fees | 0.434%Above | 47 | |
38 | SUCCESS MORTGAGE PARTNERS, INC.Independent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $6,473Fees | 0.482%Above | 23 | |
39 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $4,368Fees | 0.308%Above | 20 | |
40 | Willamette Valley BankBank | Sound | Mediocre | Strong | Strong | Sound | $6,430Fees | 0.341%Above | 24 | |
41 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Sound | $3,856Fees | 0.753%Above | 22 |
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.