Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | TRAILBLAZER MORTGAGE L.L.C.Independent Mortgage Company | Exceptional | Exceptional | Strong | Exceptional | $2,369Fees | 0.491%Below | 672 | |
2 | PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company | Exceptional | Exceptional | Sound | Strong | $1,275Fees | 0.098%Below | 494 | |
3 | FBC MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | $2,147Fees | 0.152%Above | 282 | |
4 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $2,912Fees | 0.163%Above | 5,958 | |
5 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $2,837Fees | 0.127%Above | 669 | |
6 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | $2,986Fees | 0.044%Below | 1,222 | |
7 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | $2,904Fees | 0.179%Above | 932 | |
8 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | $1,715Fees | 0.009%Above | 888 | |
9 | Capital City Home Loans, LLCIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | $2,300Fees | 0.228%Above | 347 | |
10 | MORTGAGE ASSURANCE, INC.Independent Mortgage Company | Strong | Sound | Strong | Exceptional | $1,903Fees | 0.160%Above | 323 | |
11 | First Heritage Mortgage, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | $3,554Fees | 0.341%Above | 230 | |
12 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $4,409Fees | 0.271%Above | 6,570 | |
13 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,690Fees | 0.395%Above | 1,660 | |
14 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,060Fees | 0.233%Above | 985 | |
15 | BANKSOUTH MORTGAGE COMPANY, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $4,293Fees | 0.140%Above | 893 | |
16 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $2,689Fees | 0.348%Above | 823 | |
17 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | $3,687Fees | 0.274%Above | 626 | |
18 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | $1,210Fees | 0.798%Above | 469 | |
19 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $3,289Fees | 0.142%Above | 171 | |
20 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $4,174Fees | 0.554%Above | 1,044 | |
21 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $1,934Fees | 0.461%Above | 827 | |
22 | ZILLOW HOME LOANS, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $2,881Fees | 0.306%Above | 582 | |
23 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,915Fees | 0.575%Above | 338 | |
24 | ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,955Fees | 0.233%Above | 320 | |
25 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $4,519Fees | 0.594%Above | 304 | |
26 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Sound | Strong | $2,788Fees | 0.200%Above | 277 | |
27 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $1,703Fees | 0.014%Above | 253 | |
28 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,842Fees | 0.387%Above | 183 | |
29 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $4,061Fees | 0.526%Above | 167 | |
30 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,759Fees | 0.286%Above | 147 | |
31 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Sound | Exceptional | $3,431Fees | 0.463%Above | 1,398 | |
32 | EVERETT FINANCIAL, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | $5,347Fees | 0.833%Above | 1,199 | |
33 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,125Fees | 0.241%Above | 580 | |
34 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $4,006Fees | 0.495%Above | 518 | |
35 | CANOPY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $4,634Fees | 0.345%Above | 471 | |
36 | AMERICAN FINANCING CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Sound | Exceptional | $4,962Fees | 0.053%Above | 458 | |
37 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,544Fees | 0.465%Above | 435 | |
38 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,541Fees | 0.456%Above | 346 | |
39 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $4,090Fees | 0.963%Above | 338 | |
40 | Onward Home Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Sound | Exceptional | $3,617Fees | 0.275%Above | 324 | |
41 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,348Fees | 0.552%Above | 317 | |
42 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,605Fees | 0.217%Above | 274 | |
43 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,646Fees | 0.442%Above | 243 | |
44 | STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,151Fees | 0.374%Above | 231 | |
45 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,391Fees | 0.743%Above | 192 | |
46 | OCMBC, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $4,375Fees | 0.863%Above | 138 | |
47 | First Option Mortgage, LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Exceptional | $4,853Fees | 0.873%Above | 766 | |
48 | NEWREZ LLCIndependent Mortgage Company | Sound | Acceptable | Sound | Strong | $3,282Fees | 0.344%Above | 436 | |
49 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Sound | Acceptable | Sound | Strong | $4,737Fees | 0.250%Above | 291 | |
50 | SHELTER HOME MORTGAGE, LLCIndependent Mortgage Company | Sound | Acceptable | Sound | Strong | $2,849Fees | 0.420%Above | 165 |
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.