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 | $3,289Fees | 0.173%Above | 1,231 | |
2 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,913Fees | 0.227%Above | 67 | |
3 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,657Fees | 0.078%Below | 399 | |
4 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $290Fees | 0.012%Below | 222 | |
5 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $1,822Fees | 0.054%Above | 89 | |
6 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,548Fees | 0.190%Above | 745 | |
7 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,264Fees | 0.366%Above | 130 | |
8 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,186Fees | 0.371%Above | 96 | |
9 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $3,369Fees | 0.195%Above | 56 | |
10 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Sound | $3,361Fees | 0.116%Above | 44 | |
11 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,795Fees | 0.454%Above | 131 | |
12 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,767Fees | 0.245%Above | 109 | |
13 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $5,439Fees | 0.313%Above | 93 | |
14 | Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $5,134Fees | 0.384%Above | 86 | |
15 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,449Fees | 0.254%Above | 82 | |
16 | OCMBC, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,246Fees | 0.703%Above | 66 | |
17 | Commerce Home Mortgage, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,989Fees | 0.496%Above | 47 | |
18 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $4,423Fees | 0.477%Above | 32 | |
19 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $4,278Fees | 0.310%Above | 20 | |
20 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,918Fees | 0.381%Above | 197 | |
21 | SUMMIT FUNDING, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $6,464Fees | 0.426%Above | 141 | |
22 | SCENIC OAKS FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $6,173Fees | 0.527%Above | 54 | |
23 | GOLDEN EMPIRE MORTGAGE, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $5,807Fees | 0.360%Above | 45 | |
24 | FlexPoint, Inc.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $3,820Fees | 0.524%Above | 42 | |
25 | HOMEOWNERS FINANCIAL GROUP USA, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $7,326Fees | 0.658%Above | 36 | |
26 | PACIFIC RESIDENTIAL MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $5,273Fees | 0.287%Above | 34 | |
27 | SUN WEST MORTGAGE COMPANY, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,711Fees | 0.338%Above | 30 | |
28 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $7Credit | 0.807%Above | 24 | |
29 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,769Fees | 0.519%Above | 24 | |
30 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,694Fees | 0.518%Above | 19 | |
31 | JMAC LENDING, INC.Independent Mortgage Company | Strong | Sound | Strong | Sound | Sound | $4,248Fees | 0.796%Above | 19 | |
32 | Synergy One Lending, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $5,799Fees | 0.353%Above | 18 | |
33 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $5,028Fees | 0.467%Above | 166 | |
34 | PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $5,812Fees | 0.625%Above | 51 | |
35 | MASON MCDUFFIE MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Sound | $4,295Fees | 0.398%Above | 32 | |
36 | MORTGAGEONE, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Sound | $4,816Fees | 0.715%Above | 30 | |
37 | EVERETT FINANCIAL, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Sound | $5,564Fees | 0.658%Above | 25 | |
38 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $4,019Fees | 0.412%Above | 66 | |
39 | AMERITRUST MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $3,296Fees | 0.495%Above | 55 | |
40 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $3,924Fees | 0.108%Above | 52 | |
41 | LAND HOME FINANCIAL SERVICES, INC.Independent Mortgage Company | Sound | Mediocre | Strong | Strong | Sound | $4,953Fees | 0.586%Above | 23 |
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.