Safe Rate Rankings
Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | First Financial Bank, National AssociationBank | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,965Fees | 0.310%Above | 110 | |
2 | MORTGAGE FINANCIAL SERVICES, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,653Fees | 0.383%Above | 218 | |
3 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,411Fees | 0.070%Above | 43 | |
4 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $1,786Fees | 0.045%Above | 16 | |
5 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,750Fees | 0.505%Above | 90 | |
6 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,141Fees | 0.498%Above | 81 | |
7 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $3,838Fees | 0.495%Above | 208 | |
8 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,808Fees | 0.880%Above | 44 | |
9 | THE MORTGAGE LINK, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,520Fees | 0.787%Above | 31 | |
10 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Acceptable | $4,398Fees | 0.373%Above | 10 | |
11 | NATIONS RELIABLE LENDING, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $5,181Fees | 0.605%Above | 35 | |
12 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD.Independent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Sound | $4,743Fees | 0.754%Above | 10 |
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.