Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,868Fees | 0.141%Above | 307 | |
2 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,158Fees | 0.101%Above | 7,250 | |
3 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,164Fees | 0.143%Above | 2,734 | |
4 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,987Fees | 0.038%Above | 416 | |
5 | INTERCAP LENDING INC.Independent Mortgage Company | Strong | Sound | Strong | Sound | Exceptional | $3,788Fees | 0.240%Above | 2,965 | |
6 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,731Fees | 0.264%Above | 2,395 | |
7 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,919Fees | 0.161%Above | 991 | |
8 | MY MOVE MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | — | Strong | Exceptional | $3,266Fees | 0.068%Below | 971 | |
9 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $3,625Fees | 0.114%Below | 360 | |
10 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $5,057Fees | 0.043%Above | 113 | |
11 | FIRST COLONY MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $4,267Fees | 0.123%Above | 2,357 | |
12 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Exceptional | $2,965Fees | 0.204%Above | 1,182 | |
13 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,515Fees | 0.267%Above | 632 | |
14 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,305Fees | 0.523%Above | 453 | |
15 | SECURITY HOME MORTGAGE, LLC.Independent Mortgage Company | Strong | Acceptable | — | Strong | Exceptional | $4,439Fees | 0.272%Above | 434 | |
16 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $3,890Fees | 0.333%Above | 308 | |
17 | NEWREZ LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $2,728Fees | 0.242%Above | 258 | |
18 | CLM MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | — | Strong | Strong | $5,402Fees | 0.175%Above | 308 | |
19 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $2,378Fees | 0.201%Above | 175 | |
20 | CANOPY MORTGAGE, LLCIndependent Mortgage Company | Sound | Sound | Sound | Mediocre | Strong | $3,903Fees | 0.131%Above | 418 | |
21 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $3,153Fees | 0.397%Above | 224 | |
22 | Luminate Home Loans, Inc.Independent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $5,629Fees | 0.627%Above | 143 | |
23 | SECURITYNATIONAL MORTGAGE COMPANYIndependent Mortgage Company | Sound | Mediocre | Strong | Acceptable | Exceptional | $5,640Fees | 0.543%Above | 1,162 | |
24 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Sound | Mediocre | Strong | Sound | Strong | $3,476Fees | 0.263%Above | 161 | |
25 | GARDNER FINANCIAL SERVICES, LTD.Independent Mortgage Company | Sound | Mediocre | Strong | Sound | Strong | $3,840Fees | 0.604%Above | 131 | |
26 | NATIONS RELIABLE LENDING, LLCIndependent Mortgage Company | Sound | Mediocre | Sound | Mediocre | Strong | $4,199Fees | 0.171%Above | 130 |
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.