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 | $3,687Fees | 0.209%Above | 1,383 | |
2 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $3,133Fees | 0.232%Above | 97 | |
3 | KIND LENDING, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,414Fees | 0.407%Above | 242 | |
4 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $2,709Fees | 0.190%Above | 99 | |
5 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $3,428Fees | 0.331%Above | 30 | |
6 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,270Fees | 0.320%Above | 841 | |
7 | MORIA DEVELOPMENT, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $5,608Fees | 0.566%Above | 330 | |
8 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,174Fees | 0.052%Below | 180 | |
9 | MICHIGAN MUTUAL, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $4,789Fees | 0.188%Above | 106 | |
10 | MLD MORTGAGE INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $4,213Fees | 0.477%Above | 78 | |
11 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $4,699Fees | 0.352%Above | 69 | |
12 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $3,268Fees | 0.349%Above | 57 | |
13 | GoodLeap, LLCIndependent Mortgage Company | Strong | Strong | Exceptional | Sound | Sound | $4,069Fees | 0.259%Above | 43 | |
14 | AUGUSTA FINANCIAL, INC.Independent Mortgage Company | Strong | Strong | Strong | Strong | Sound | $4,346Fees | 0.056%Above | 23 | |
15 | Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $5,558Fees | 0.386%Above | 285 | |
16 | OCMBC, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,259Fees | 0.675%Above | 216 | |
17 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $2,982Fees | 0.399%Above | 75 | |
18 | Nations Lending CorporationIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,477Fees | 0.345%Above | 74 | |
19 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,894Fees | 0.582%Above | 66 | |
20 | PLANET HOME LENDING, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $4,955Fees | 0.455%Above | 28 | |
21 | NATIONS DIRECT MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $1,501Fees | 0.553%Above | 18 | |
22 | GOLDEN EMPIRE MORTGAGE, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $6,122Fees | 0.480%Above | 305 | |
23 | DIGNIFIED HOME LOANS, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $4,806Fees | 0.518%Above | 173 | |
24 | JMAC LENDING, INC.Independent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $5,124Fees | 0.149%Above | 59 | |
25 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,128Fees | 0.471%Above | 58 | |
26 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,980Fees | 0.196%Above | 58 | |
27 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,928Fees | 0.505%Above | 57 | |
28 | CAMPOS FINANCIAL CORP.Independent Mortgage Company | Strong | Acceptable | Strong | Exceptional | Strong | $3,839Fees | 0.422%Above | 30 | |
29 | HOMEBRIDGE FINANCIAL SERVICES, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Sound | $2,525Fees | 0.568%Above | 21 | |
30 | FlexPoint, Inc.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $3,847Fees | 0.705%Above | 107 | |
31 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $5,166Fees | 0.360%Above | 90 | |
32 | DAS Acquisition Company, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $3,328Fees | 0.620%Above | 79 | |
33 | POINT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $3,811Fees | 0.183%Above | 70 | |
34 | PEAK RESIDENTIAL LENDING INCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $4,274Fees | 0.373%Above | 60 | |
35 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $435Fees | 0.309%Above | 52 | |
36 | Hometown Equity Mortgage, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Sound | $2,886Fees | 0.346%Above | 34 | |
37 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,480Fees | 0.544%Above | 32 | |
38 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,197Fees | 0.403%Above | 31 | |
39 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,126Fees | 0.757%Above | 27 | |
40 | SUN WEST MORTGAGE COMPANY, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,154Fees | 0.166%Above | 24 | |
41 | MORTGAGE SOLUTIONS OF COLORADO, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,104Fees | 1.051%Above | 18 | |
42 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,513Fees | 0.778%Above | 104 | |
43 | ROYAL PACIFIC FUNDING CORP.Independent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $5,605Fees | 0.637%Above | 52 | |
44 | ALAMEDA MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Sound | $5,046Fees | 0.519%Above | 32 | |
45 | SUMMIT FUNDING, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Sound | $4,782Fees | 0.427%Above | 26 | |
46 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $4,843Fees | 1.038%Above | 20 | |
47 | EVERETT FINANCIAL, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Sound | $5,430Fees | 1.063%Above | 20 | |
48 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $3,358Fees | 0.687%Above | 63 | |
49 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $4,128Fees | 0.411%Above | 46 | |
50 | Luminate Home Loans, Inc.Independent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $3,689Fees | 0.744%Above | 27 |
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.