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 | $3,476Fees | 0.264%Above | 489 | |
2 | NOVA FINANCIAL & INVESTMENT CORPORATIONIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,093Fees | 0.460%Above | 489 | |
3 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $1,719Fees | 0.013%Below | 27 | |
4 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Strong | Exceptional | Sound | Sound | $2,085Fees | 0.102%Below | 21 | |
5 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,180Fees | 0.359%Above | 162 | |
6 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,588Fees | 0.101%Above | 13 | |
7 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Sound | $2,687Fees | 0.829%Above | 11 | |
8 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,919Fees | 0.555%Above | 188 | |
9 | EFINITY FINANCIAL INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $3,815Fees | 0.758%Above | 121 | |
10 | Gateway First BankBank | Strong | Acceptable | Exceptional | Strong | Strong | $1,701Fees | 0.521%Above | 52 | |
11 | GENEVA FINANCIAL, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,098Fees | 0.604%Above | 56 | |
12 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $4,370Fees | 0.474%Above | 17 | |
13 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $6,189Fees | 1.794%Above | 15 | |
14 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,060Fees | 0.416%Above | 226 | |
15 | SECURITYNATIONAL MORTGAGE COMPANYIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $5,059Fees | 0.828%Above | 55 | |
16 | RESIDENTIAL WHOLESALE MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Sound | $2,487Fees | 0.690%Above | 22 |
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.