Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | $3,801Fees | 0.169%Above | 38 | |
2 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,050Fees | 0.371%Above | 143 | |
3 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,508Fees | 0.457%Above | 127 | |
4 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $2,272Fees | 0.448%Above | 113 | |
5 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,951Fees | 0.549%Above | 29 | |
6 | FIRST HOME MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | $4,563Fees | 0.505%Above | 59 | |
7 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,899Fees | 0.406%Above | 41 | |
8 | BAY CAPITAL MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,081Fees | 0.252%Above | 29 | |
9 | Mortgage Research Center, LLCIndependent Mortgage Company | Sound | Acceptable | Strong | Sound | $2,527Fees | 2.164%Above | 24 | |
10 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Sound | Acceptable | Strong | Sound | $2,918Fees | 0.585%Above | 23 | |
11 | DIRECT MORTGAGE LOANS, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | $4,667Fees | 0.615%Above | 21 | |
12 | CHURCHILL MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | $2,137Fees | 0.356%Above | 31 | |
13 | Waterstone Mortgage CorporationIndependent Mortgage Company | Sound | Mediocre | Strong | Sound | $5,352Fees | 0.748%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.