Safe Rate Rankings
Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | VICTORY MORTGAGE, L.L.C.Independent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Exceptional | $708Fees | 0.053%Below | 973 | |
2 | FIRST EQUITY MORTGAGE INCORPORATEDIndependent Mortgage Company | Exceptional | Strong | Strong | Sound | Exceptional | $859Fees | 0.281%Above | 429 | |
3 | RUOFF MORTGAGE COMPANY, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,642Fees | 0.357%Above | 373 | |
4 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,474Fees | 0.297%Above | 2,016 | |
5 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,810Fees | 0.380%Above | 1,980 | |
6 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,185Fees | 0.404%Above | 202 | |
7 | SIBCY CLINE MORTGAGE SERVICES, INC.Independent Mortgage Company | Strong | Strong | Sound | Sound | Exceptional | $1,521Fees | 0.207%Above | 161 | |
8 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Strong | Strong | Sound | Strong | $2,184Fees | 0.211%Above | 76 | |
9 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,830Fees | 0.661%Above | 882 | |
10 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,390Fees | 0.237%Above | 858 | |
11 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,118Fees | 0.477%Above | 687 | |
12 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,543Fees | 0.601%Above | 625 | |
13 | STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,865Fees | 0.419%Above | 616 | |
14 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,231Fees | 0.618%Above | 488 | |
15 | DAS Acquisition Company, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,016Fees | 0.652%Above | 326 | |
16 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $1,354Fees | 0.084%Above | 155 | |
17 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Exceptional | $2,531Fees | 0.457%Above | 396 | |
18 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,303Fees | 0.529%Above | 270 | |
19 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $2,764Fees | 0.518%Above | 264 | |
20 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,484Fees | 0.688%Above | 241 | |
21 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,552Fees | 0.375%Above | 232 | |
22 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,917Fees | 0.481%Above | 221 | |
23 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,319Fees | 0.307%Above | 197 | |
24 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,578Fees | 0.498%Above | 139 | |
25 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,550Fees | 0.727%Above | 124 | |
26 | GoodLeap, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $3,083Fees | 0.032%Above | 67 | |
27 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,169Fees | 0.650%Above | 368 | |
28 | NEWREZ LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $2,025Fees | 0.392%Above | 343 | |
29 | NATIONS RELIABLE LENDING, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Exceptional | $3,112Fees | 0.517%Above | 287 | |
30 | BAYSHORE MORTGAGE FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Exceptional | $2,959Fees | 0.599%Above | 279 | |
31 | M/I FINANCIAL, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $3,823Fees | 0.063%Below | 225 | |
32 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $3,179Fees | 0.779%Above | 159 | |
33 | 3RD STREET FINANCIAL CORP.Independent Mortgage Company | Strong | Strong | Acceptable | Acceptable | Strong | $935Fees | 0.332%Above | 114 | |
34 | Synergy One Lending, Inc.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $2,952Fees | 0.534%Above | 97 | |
35 | NATIONS DIRECT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $918Fees | 0.308%Above | 63 | |
36 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $1,108Fees | 0.432%Above | 62 | |
37 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $1,369Fees | 0.529%Above | 360 | |
38 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,413Fees | 0.795%Above | 315 | |
39 | AMERICAN FINANCIAL RESOURCES, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $2,504Fees | 0.649%Above | 155 | |
40 | CHURCHILL MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,066Fees | 0.512%Above | 109 | |
41 | VAN DYK MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $3,412Fees | 0.372%Above | 89 | |
42 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Sound | Acceptable | Strong | Acceptable | Strong | $4,121Fees | 0.755%Above | 115 | |
43 | POLARIS HOME FUNDING CORP.Independent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $4,440Fees | 0.832%Above | 78 | |
44 | RAPID MORTGAGE COMPANYIndependent Mortgage Company | Sound | Mediocre | Sound | Sound | Exceptional | $4,025Fees | 0.587%Above | 233 | |
45 | SUCCESS MORTGAGE PARTNERS, INC.Independent Mortgage Company | Sound | Mediocre | Strong | Sound | Strong | $4,519Fees | 0.555%Above | 117 | |
46 | Farm Credit Mid-America, ACAIndependent Mortgage Company | Sound | Mediocre | Strong | Sound | Strong | $5,434Fees | 0.619%Above | 83 | |
47 | RMC HOME MORTGAGE, LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Sound | Strong | $3,062Fees | 0.563%Above | 67 | |
48 | AMERISAVE MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Strong | Acceptable | Strong | $3,873Fees | 0.918%Above | 73 |
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.