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 | $2,201Fees | 0.261%Above | 248 | |
2 | ALTRA Federal Credit UnionCredit Union | Exceptional | Exceptional | Sound | Sound | Exceptional | $1,263Fees | 0.554%Above | 97 | |
3 | Cadence BankBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,655Fees | 0.385%Above | 49 | |
4 | MORTGAGE FINANCIAL SERVICES, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,917Fees | 0.441%Above | 91 | |
5 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,307Fees | 0.341%Above | 260 | |
6 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,800Fees | 0.536%Above | 165 | |
7 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,773Fees | 0.599%Above | 38 | |
8 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,884Fees | 0.405%Above | 61 | |
9 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,623Fees | 0.442%Above | 37 | |
10 | HALLMARK HOME MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $3,274Fees | 0.821%Above | 66 | |
11 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD.Independent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,673Fees | 0.803%Above | 39 | |
12 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,190Fees | 0.376%Above | 30 | |
13 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $1,198Fees | 0.253%Above | 16 | |
14 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $216Fees | 0.259%Above | 12 | |
15 | Synergy One Lending, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,023Fees | 0.476%Above | 10 | |
16 | PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,399Fees | 0.634%Above | 37 | |
17 | SUMMIT FUNDING, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Sound | $6,826Fees | 0.202%Above | 13 | |
18 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $2,919Fees | 0.290%Above | 16 | |
19 | PLATINUM EAGLE MORTGAGE LLCIndependent Mortgage Company | Sound | Mediocre | Sound | Sound | Exceptional | $5,289Fees | 0.311%Above | 60 |
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.