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 | $3,507Fees | 0.316%Above | 174 | |
2 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,393Fees | 0.320%Above | 2,563 | |
3 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,463Fees | 0.291%Above | 1,204 | |
4 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,946Fees | 0.222%Above | 196 | |
5 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,866Fees | 0.519%Above | 1,235 | |
6 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $3,497Fees | 0.337%Above | 147 | |
7 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $4,006Fees | 0.215%Above | 78 | |
8 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $3,384Fees | 0.417%Above | 39 | |
9 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,822Fees | 0.451%Above | 187 | |
10 | NP, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,170Fees | 0.599%Above | 115 | |
11 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $4,400Fees | 0.631%Above | 282 | |
12 | NEWREZ LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $3,256Fees | 0.405%Above | 150 | |
13 | BUILDERS CHOICE MORTGAGE LLCIndependent Mortgage Company | Strong | Mediocre | Strong | Strong | Exceptional | $4,487Fees | 0.446%Above | 125 | |
14 | ANGEL OAK MORTGAGE SOLUTIONS LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $5,244Fees | 0.946%Above | 76 | |
15 | Citadel Servicing CorporationIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $9,275Fees | 1.847%Above | 60 | |
16 | CLEAREDGE LENDING LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $5,918Fees | 1.230%Above | 54 | |
17 | EVERETT FINANCIAL, INC.Independent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $4,371Fees | 0.610%Above | 254 | |
18 | THE MORTGAGE FIRM, INC.Independent Mortgage Company | Sound | Mediocre | Strong | Sound | Exceptional | $3,836Fees | 0.422%Above | 235 | |
19 | A&D Mortgage LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $4,369Fees | 0.685%Above | 192 | |
20 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Sound | Acceptable | Strong | Sound | Sound | $3,534Fees | 0.350%Above | 35 | |
21 | DEEPHAVEN MORTGAGE LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Sound | $3,286Fees | 1.493%Above | 39 | |
22 | OCMBC, INC.Independent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Sound | $2,823Fees | 0.819%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.