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 | $3,687Fees | 0.274%Above | 626 | |
2 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,409Fees | 0.271%Above | 6,570 | |
3 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,912Fees | 0.163%Above | 5,958 | |
4 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,715Fees | 0.009%Above | 888 | |
5 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,689Fees | 0.348%Above | 823 | |
6 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,690Fees | 0.395%Above | 1,660 | |
7 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,174Fees | 0.554%Above | 1,044 | |
8 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,060Fees | 0.233%Above | 985 | |
9 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Strong | Sound | Strong | Sound | Exceptional | $2,837Fees | 0.127%Above | 669 | |
10 | Capital City Home Loans, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Exceptional | $2,300Fees | 0.228%Above | 347 | |
11 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $3,646Fees | 0.442%Above | 243 | |
12 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Exceptional | $3,431Fees | 0.463%Above | 1,398 | |
13 | BANKSOUTH MORTGAGE COMPANY, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $4,293Fees | 0.140%Above | 893 | |
14 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,125Fees | 0.241%Above | 580 | |
15 | Onward Home Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $3,617Fees | 0.275%Above | 324 | |
16 | ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,955Fees | 0.233%Above | 320 | |
17 | FBC MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $2,147Fees | 0.152%Above | 282 | |
18 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Strong | Sound | Acceptable | Strong | $2,788Fees | 0.200%Above | 277 | |
19 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $3,544Fees | 0.465%Above | 435 | |
20 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $2,541Fees | 0.456%Above | 346 | |
21 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $3,348Fees | 0.552%Above | 317 | |
22 | EVERETT FINANCIAL, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Sound | Exceptional | $5,347Fees | 0.833%Above | 1,199 | |
23 | First Option Mortgage, LLCIndependent Mortgage Company | Strong | Mediocre | Strong | Strong | Exceptional | $4,853Fees | 0.873%Above | 766 | |
24 | NEW WAVE LENDING GROUP INCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,760Fees | 1.288%Above | 146 | |
25 | HOMEOWNERS FINANCIAL GROUP USA, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $4,841Fees | 0.354%Above | 353 | |
26 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $3,915Fees | 0.575%Above | 338 | |
27 | SHELTER HOME MORTGAGE, LLCIndependent Mortgage Company | Sound | Acceptable | — | Sound | Strong | $2,849Fees | 0.420%Above | 165 | |
28 | OCMBC, INC.Independent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $4,375Fees | 0.863%Above | 138 |
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.