Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company | Exceptional | Exceptional | Exceptional | Sound | Sound | $1,596Fees | 0.067%Above | 20 | |
2 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,261Fees | 0.137%Above | 246 | |
3 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,157Fees | 0.058%Above | 277 | |
4 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,265Fees | 0.179%Above | 184 | |
5 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $5,076Fees | 0.272%Above | 235 | |
6 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,918Fees | 0.196%Above | 220 | |
7 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,773Fees | 0.151%Above | 122 | |
8 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,134Fees | 0.270%Above | 112 | |
9 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $2,183Fees | 0.101%Above | 65 | |
10 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $4,090Fees | 0.077%Above | 17 | |
11 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $1,577Fees | 0.414%Above | 16 | |
12 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Strong | Strong | Sound | Sound | $870Fees | 0.104%Below | 15 | |
13 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $5,470Fees | 0.012%Above | 12 | |
14 | NEWREZ LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Exceptional | $2,152Fees | 0.286%Above | 128 | |
15 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,839Fees | 0.334%Above | 92 | |
16 | NATIONS DIRECT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $2,352Fees | 0.157%Above | 77 | |
17 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,725Fees | 0.186%Above | 74 | |
18 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,649Fees | 0.467%Above | 51 | |
19 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,471Fees | 0.228%Above | 43 | |
20 | LEADERONE FINANCIAL CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,002Fees | 0.599%Above | 32 | |
21 | BETTER MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Exceptional | Strong | Mediocre | Acceptable | $1,266Credit | 0.117%Above | 10 | |
22 | CANOPY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $3,017Fees | 0.148%Above | 44 | |
23 | Commerce Home Mortgage, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $4,047Fees | 0.373%Above | 18 | |
24 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $568Fees | 0.143%Above | 17 | |
25 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Sound | Sound | $2,595Fees | 0.066%Below | 16 | |
26 | Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $4,470Fees | 0.004%Above | 15 | |
27 | MEMBER FIRST MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Sound | $2,557Fees | 0.103%Above | 14 | |
28 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $5,753Fees | 0.340%Above | 13 | |
29 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,587Fees | 0.206%Above | 13 | |
30 | CHURCHILL MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $5,096Fees | 0.311%Above | 54 | |
31 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $4,009Fees | 0.522%Above | 31 | |
32 | SUMMIT FUNDING, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $5,844Fees | 0.628%Above | 31 | |
33 | MASON MCDUFFIE MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Sound | $1,634Fees | 0.434%Above | 18 | |
34 | MORTGAGE EXPRESS, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Sound | $3,062Fees | 0.406%Above | 17 | |
35 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Acceptable | $3,176Fees | 0.396%Above | 10 | |
36 | EVERGREEN MONEYSOURCE MORTGAGE COMPANYIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $4,513Fees | 0.515%Above | 22 | |
37 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $4,408Fees | 0.359%Above | 21 | |
38 | PREMIER MORTGAGE RESOURCES, L.L.C.Independent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $4,506Fees | 0.374%Above | 20 | |
39 | GOLDEN EMPIRE MORTGAGE, INC.Independent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $7,033Fees | 0.570%Above | 16 | |
40 | LPMC, LLCIndependent Mortgage Company | Sound | Mediocre | Sound | Strong | Strong | $3,597Fees | 0.197%Above | 23 | |
41 | AXIA FINANCIAL, LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Sound | $5,653Fees | 0.165%Above | 21 | |
42 | PACIFIC RESIDENTIAL MORTGAGE, LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Sound | $6,860Fees | 0.465%Above | 10 | |
43 | CALCON MUTUAL MORTGAGE LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Sound | Sound | $6,911Fees | 1.472%Below | 14 | |
44 | LENDSURE MORTGAGE CORP.Independent Mortgage Company | Sound | Mediocre | Strong | Sound | Sound | $6,719Fees | 1.281%Above | 11 | |
45 | AgWest Farm Credit, FLCAIndependent Mortgage Company | Acceptable | Mediocre | Acceptable | Mediocre | Sound | $3,038Fees | 0.294%Above | 13 |
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.