Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | DSLD MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Exceptional | Exceptional | Strong | $83Fees | 0.462%Below | 291 | |
2 | Heritage Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Strong | Exceptional | $2,503Fees | 0.129%Below | 397 | |
3 | FBC MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | $2,370Fees | 0.150%Below | 338 | |
4 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $2,862Fees | 0.120%Above | 3,461 | |
5 | GMFS LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $2,602Fees | 0.065%Above | 785 | |
6 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | $3,190Fees | 0.146%Above | 795 | |
7 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | $2,146Fees | 0.026%Below | 747 | |
8 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | $2,588Fees | 0.010%Above | 434 | |
9 | FIRST COLONY MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | $3,083Fees | 0.097%Above | 322 | |
10 | LENDLO MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | $2,443Fees | 0.108%Above | 303 | |
11 | MORTGAGE INVESTORS GROUP, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | $2,771Fees | 0.301%Above | 283 | |
12 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | $2,622Fees | 0.387%Above | 201 | |
13 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,829Fees | 0.446%Above | 4,227 | |
14 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $2,425Fees | 0.452%Above | 1,578 | |
15 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $2,656Fees | 0.422%Above | 1,445 | |
16 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,107Fees | 0.392%Above | 1,317 | |
17 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,101Fees | 0.274%Above | 767 | |
18 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,128Fees | 0.427%Above | 750 | |
19 | Assurance Financial Group, L.L.C.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,218Fees | 0.568%Above | 550 | |
20 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $3,163Fees | 0.416%Above | 549 | |
21 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | $2,937Fees | 0.245%Above | 214 | |
22 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $1,839Fees | 0.667%Above | 1,857 | |
23 | CANOPY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $4,597Fees | 0.355%Above | 894 | |
24 | STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $3,534Fees | 0.405%Above | 764 | |
25 | TOWNE MORTGAGE COMPANYIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $2,636Fees | 0.334%Above | 556 | |
26 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,818Fees | 0.254%Above | 379 | |
27 | Hamilton Mortgage CorporationIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $1,984Fees | 0.326%Above | 357 | |
28 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Sound | Strong | $2,814Fees | 0.345%Above | 183 | |
29 | SWBC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,626Fees | 0.450%Above | 146 | |
30 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,026Fees | 0.457%Above | 145 | |
31 | PLANET HOME LENDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,419Fees | 0.234%Above | 145 | |
32 | ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,372Fees | 0.514%Above | 141 | |
33 | GoodLeap, LLCIndependent Mortgage Company | Strong | Sound | Sound | Strong | $3,095Fees | 0.151%Above | 131 | |
34 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,338Fees | 0.480%Above | 672 | |
35 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Sound | Exceptional | $3,237Fees | 0.664%Above | 653 | |
36 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,280Fees | 0.463%Above | 475 | |
37 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,052Fees | 0.297%Above | 463 | |
38 | EMBRACE HOME LOANS, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,625Fees | 0.549%Above | 244 | |
39 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,776Fees | 0.274%Above | 241 | |
40 | INTERLINC MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $1,878Fees | 0.543%Above | 161 | |
41 | LEADERONE FINANCIAL CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,958Fees | 0.842%Above | 129 | |
42 | NEWREZ LLCIndependent Mortgage Company | Sound | Acceptable | Sound | Strong | $2,771Fees | 0.345%Above | 397 | |
43 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Sound | Acceptable | Sound | Strong | $4,548Fees | 0.335%Above | 190 | |
44 | MORIA DEVELOPMENT, INC.Independent Mortgage Company | Sound | Mediocre | Strong | Strong | $2,907Fees | 0.366%Above | 245 | |
45 | ROYAL UNITED MORTGAGE LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | $2,784Fees | 1.357%Above | 176 | |
46 | SOUTHWEST FUNDING, LPIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | $3,730Fees | 0.929%Above | 133 | |
47 | ACOPIA, LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | $3,198Fees | 0.596%Above | 120 | |
48 | TJC Mortgage, Inc.Independent Mortgage Company | Sound | Mediocre | Sound | Strong | $3,689Fees | 0.477%Above | 255 | |
49 | Consumer First Mortgage, Inc.Independent Mortgage Company | Sound | Mediocre | Sound | Strong | $3,259Fees | 0.505%Above | 153 | |
50 | NEW DAY FINANCIAL, LLCIndependent Mortgage Company | Sound | Mediocre | Acceptable | Strong | $4,516Fees | 1.179%Above | 271 |
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.