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 | $3,433Fees | 0.272%Above | 214 | |
2 | SouthState Bank, National AssociationBank | Exceptional | Strong | Strong | Strong | Exceptional | $1,886Fees | 0.223%Above | 83 | |
3 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $3,319Fees | 0.034%Above | 40 | |
4 | FBC MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Sound | $1,509Fees | 0.408%Above | 14 | |
5 | RMC HOME MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,753Fees | 0.461%Above | 51 | |
6 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,135Fees | 0.376%Above | 209 | |
7 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $2,105Fees | 0.230%Above | 34 | |
8 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Strong | Exceptional | Sound | Sound | $2,340Fees | 0.200%Above | 17 | |
9 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,512Fees | 0.465%Above | 61 | |
10 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $2,572Fees | 0.414%Above | 48 | |
11 | COASTAL LOANS, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $5,772Fees | 0.327%Above | 36 | |
12 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $3,344Fees | 0.121%Above | 28 | |
13 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $1,195Fees | 0.935%Above | 11 | |
14 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,426Fees | 0.216%Above | 75 | |
15 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,609Fees | 0.301%Above | 51 | |
16 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,386Fees | 0.575%Above | 25 | |
17 | TOTAL MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $3,279Fees | 0.547%Above | 45 | |
18 | BAYSHORE MORTGAGE FUNDING, LLCIndependent Mortgage Company | Strong | Mediocre | Strong | Strong | Exceptional | $4,750Fees | 0.379%Above | 63 | |
19 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,189Fees | 0.698%Above | 61 | |
20 | CONTOUR MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,025Fees | 0.617%Above | 29 | |
21 | EVERETT FINANCIAL, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Sound | $3,147Fees | 0.644%Above | 27 | |
22 | ACOPIA, LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Sound | $4,350Fees | 0.412%Above | 14 |
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.