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 | Exceptional | $2,078Fees | 0.395%Above | 267 | |
2 | EQUITY RESOURCES, INC.Independent Mortgage Company | Strong | Sound | Strong | Exceptional | $1,892Fees | 0.494%Above | 202 | |
3 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | $1,096Fees | 0.379%Above | 93 | |
4 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,104Fees | 0.586%Above | 535 | |
5 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,099Fees | 0.798%Above | 454 | |
6 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $2,091Fees | 0.616%Above | 145 | |
7 | RUOFF MORTGAGE COMPANY, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | $2,072Fees | 0.435%Above | 65 | |
8 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | $2,541Fees | 0.496%Above | 57 | |
9 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,416Fees | 0.519%Above | 159 | |
10 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,762Fees | 0.907%Above | 120 | |
11 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Sound | $1,896Fees | 0.068%Above | 41 | |
12 | Filo Mortgage, L.L.C.Independent Mortgage Company | Strong | Strong | Acceptable | Sound | $1,038Fees | 0.753%Above | 28 | |
13 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | $837Fees | 0.091%Above | 24 | |
14 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,917Fees | 0.803%Above | 140 | |
15 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $1,935Fees | 0.803%Above | 113 | |
16 | VAN DYK MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,540Fees | 0.760%Above | 50 | |
17 | AG CREDIT AGRICULTURAL CREDIT ASSOCIATIONIndependent Mortgage Company | Strong | Sound | Sound | Sound | $1,325Fees | 0.301%Above | 20 | |
18 | NEWREZ LLCIndependent Mortgage Company | Sound | Acceptable | Sound | Strong | $1,361Fees | 0.629%Above | 179 | |
19 | GVC MORTGAGE, INC.Independent Mortgage Company | Sound | Mediocre | Exceptional | Strong | $3,057Fees | 0.990%Above | 55 | |
20 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Sound | Acceptable | Strong | Sound | $3,712Fees | 0.728%Above | 37 | |
21 | LOWER, LLCIndependent Mortgage Company | Sound | Acceptable | Strong | Sound | $1,097Fees | 0.382%Above | 35 | |
22 | HOWARD HANNA FINANCIAL SERVICES, INC.Independent Mortgage Company | Sound | Acceptable | Strong | Sound | $2,332Fees | 0.585%Above | 34 | |
23 | THE LOAN STORE, INC.Independent Mortgage Company | Sound | Acceptable | Strong | Sound | $2,066Fees | 0.384%Above | 28 | |
24 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Sound | Acceptable | Strong | Sound | $3,069Fees | 0.636%Above | 21 | |
25 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Acceptable | Sound | Sound | $2,668Fees | 0.852%Above | 35 |
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.