Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,598Fees | 0.284%Above | 299 | |
2 | Univest Bank and Trust Co.Bank | Exceptional | Exceptional | Strong | Strong | Strong | $1,451Fees | 0.265%Above | 74 | |
3 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,070Fees | 0.188%Above | 543 | |
4 | Mortgage America, Inc.Independent Mortgage Company | Exceptional | Strong | Strong | Strong | Exceptional | $2,135Fees | 0.251%Above | 309 | |
5 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,365Fees | 0.323%Above | 91 | |
6 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $1,966Fees | 0.355%Above | 128 | |
7 | KEYSTONE FUNDING, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,478Fees | 0.454%Above | 60 | |
8 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,217Fees | 0.438%Above | 788 | |
9 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Exceptional | $2,657Fees | 0.428%Above | 310 | |
10 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,887Fees | 0.347%Above | 125 | |
11 | Firstrust Savings BankBank | Strong | Sound | Strong | Strong | Exceptional | $2,240Fees | 0.431%Above | 102 | |
12 | Fulton Bank, National AssociationBank | Strong | Strong | Strong | Sound | Strong | $1,690Fees | 0.356%Above | 84 | |
13 | PLANET HOME LENDING, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,125Fees | 0.476%Above | 60 | |
14 | GoodLeap, LLCIndependent Mortgage Company | Strong | Strong | Exceptional | Sound | Sound | $4,632Fees | 0.172%Below | 20 | |
15 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,652Fees | 0.555%Above | 239 | |
16 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,865Fees | 0.496%Above | 231 | |
17 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,540Fees | 0.344%Above | 216 | |
18 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,370Fees | 0.408%Above | 107 | |
19 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,175Fees | 0.521%Above | 90 | |
20 | V.I.P. MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,429Fees | 0.387%Above | 54 | |
21 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Sound | $2,577Fees | 0.522%Above | 41 | |
22 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $1,905Fees | 0.539%Above | 28 | |
23 | Plains Commerce BankBank | Strong | Sound | Exceptional | Strong | Sound | $3,029Fees | 0.435%Above | 25 | |
24 | Advisors Mortgage Group, L.L.C.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,700Fees | 0.494%Above | 19 | |
25 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,828Fees | 0.342%Above | 108 | |
26 | MORTGAGE ACCESS CORP.Independent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $3,708Fees | 0.450%Above | 86 | |
27 | Quaint Oak Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | Strong | $3,227Fees | 0.456%Above | 68 | |
28 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,934Fees | 0.474%Above | 64 | |
29 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,151Fees | 0.581%Above | 48 | |
30 | NJ LENDERS CORP.Independent Mortgage Company | Strong | Sound | Strong | Strong | Sound | $2,065Fees | 0.120%Above | 33 | |
31 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,985Fees | 0.515%Above | 28 | |
32 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,359Fees | 0.552%Above | 21 | |
33 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,734Fees | 0.566%Above | 785 | |
34 | Ixonia BankBank | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,457Fees | 0.604%Above | 165 | |
35 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $2,769Fees | 0.328%Above | 101 | |
36 | EMBRACE HOME LOANS, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,913Fees | 0.332%Above | 40 | |
37 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $5,074Fees | 0.224%Above | 37 | |
38 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $1,955Fees | 0.676%Above | 31 | |
39 | AMERICAN FINANCIAL RESOURCES, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,714Fees | 0.749%Above | 25 | |
40 | SUN WEST MORTGAGE COMPANY, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $4,317Fees | 0.264%Above | 21 | |
41 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,307Fees | 0.615%Above | 20 | |
42 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,263Fees | 0.409%Above | 20 | |
43 | JMAC LENDING, INC.Independent Mortgage Company | Strong | Sound | Strong | Sound | Sound | $3,014Fees | 0.612%Above | 19 | |
44 | ABSOLUTE HOME MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,428Fees | 0.562%Above | 84 | |
45 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,250Fees | 0.234%Above | 79 | |
46 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $2,852Fees | 0.698%Above | 68 | |
47 | The Federal Savings BankBank | Strong | Acceptable | Exceptional | Sound | Sound | $4,902Fees | 0.353%Above | 32 | |
48 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $5,336Fees | 0.550%Above | 29 | |
49 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $2,068Fees | 0.201%Below | 25 | |
50 | AMERISAVE MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $3,245Fees | 1.139%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.