Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Manufacturers and Traders Trust CompanyBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,088Fees | 0.079%Below | 162 | |
2 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,186Fees | 0.252%Above | 390 | |
3 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,871Fees | 0.300%Above | 125 | |
4 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,198Fees | 0.271%Above | 52 | |
5 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,329Fees | 0.233%Above | 503 | |
6 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,025Fees | 0.302%Above | 120 | |
7 | WARSHAW CAPITAL, LLCIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | Strong | $2,627Fees | 0.364%Above | 68 | |
8 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Strong | Exceptional | Sound | Sound | $1,747Fees | 0.365%Above | 41 | |
9 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,455Fees | 0.329%Above | 157 | |
10 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $3,114Fees | 0.468%Above | 153 | |
11 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,242Fees | 0.300%Above | 77 | |
12 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,502Fees | 0.568%Above | 39 | |
13 | FIRST WORLD MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | Sound | $2,721Fees | 0.212%Above | 34 | |
14 | TOTAL MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $3,311Fees | 0.382%Above | 494 | |
15 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,675Fees | 0.453%Above | 187 | |
16 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,790Fees | 0.052%Above | 162 | |
17 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,700Fees | 0.095%Above | 79 | |
18 | Magnolia Bank, IncorporatedBank | Strong | Sound | Strong | Strong | Sound | $6,731Fees | 0.722%Above | 17 | |
19 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $2,593Fees | 0.336%Above | 376 | |
20 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,524Fees | 0.174%Above | 44 | |
21 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,680Fees | 0.442%Above | 43 | |
22 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,887Fees | 0.444%Above | 24 | |
23 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,852Fees | 0.190%Above | 24 | |
24 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $974Fees | 0.057%Below | 38 | |
25 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $5,029Fees | 0.569%Above | 20 | |
26 | AMERISAVE MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $5,855Fees | 0.260%Above | 19 | |
27 | MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP.Independent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $7,450Fees | 0.995%Above | 63 | |
28 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $3,789Fees | 0.431%Above | 49 | |
29 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $4,267Fees | 0.177%Above | 36 | |
30 | NATIONWIDE MORTGAGE BANKERS, INC.Independent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $5,363Fees | 0.425%Above | 24 | |
31 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $5,883Fees | 0.576%Above | 18 | |
32 | PRYSMA LENDING GROUP, LLCIndependent Mortgage Company | Sound | Mediocre | Sound | Sound | Exceptional | $4,585Fees | 0.702%Above | 97 | |
33 | UNITED NORTHERN MORTGAGE BANKERS LIMITEDIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Sound | $4,546Fees | 0.798%Above | 17 |
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.