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 | $2,718Fees | 0.175%Below | 695 | |
2 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | $1,536Fees | 0.351%Below | 556 | |
3 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Sound | Strong | Exceptional | $2,882Fees | 0.098%Above | 247 | |
4 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $4,238Fees | 0.037%Below | 465 | |
5 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $2,681Fees | 0.118%Above | 299 | |
6 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $4,026Fees | 0.148%Above | 147 | |
7 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $754Fees | 0.188%Below | 101 | |
8 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $4,828Fees | 0.282%Above | 160 | |
9 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $4,983Fees | 0.341%Above | 106 | |
10 | V.I.P. MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,475Fees | 0.090%Below | 45 | |
11 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,465Fees | 0.043%Above | 177 | |
12 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $4,571Fees | 0.278%Above | 63 | |
13 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,191Fees | 0.359%Above | 63 | |
14 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,959Fees | 0.189%Above | 62 | |
15 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,635Fees | 0.004%Above | 59 | |
16 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,674Fees | 0.184%Above | 56 | |
17 | CANOPY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,482Fees | 0.303%Above | 51 | |
18 | NEWREZ LLCIndependent Mortgage Company | Sound | Acceptable | Sound | Strong | $982Fees | 0.008%Above | 144 | |
19 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Sound | Acceptable | Strong | Sound | $3,040Fees | 0.427%Above | 24 | |
20 | PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company | Sound | Mediocre | Strong | Strong | $1,748Fees | 0.028%Above | 59 | |
21 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Sound | Acceptable | Sound | Sound | $5,443Fees | 0.210%Above | 30 | |
22 | LAND HOME FINANCIAL SERVICES, INC.Independent Mortgage Company | Sound | Mediocre | Sound | Strong | $5,437Fees | 0.329%Below | 39 | |
23 | SECURITYNATIONAL MORTGAGE COMPANYIndependent Mortgage Company | Sound | Mediocre | Strong | Sound | $6,080Fees | 0.075%Above | 34 | |
24 | HIGHTECHLENDING INCIndependent Mortgage Company | Sound | Mediocre | Acceptable | Strong | $6,292Fees | 0.420%Above | 36 | |
25 | CITY FIRST MORTGAGE SERVICES, L.L.C.Independent Mortgage Company | Sound | Mediocre | Sound | Sound | $4,289Fees | 0.396%Above | 28 |
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.