Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | ENT Credit UnionCredit Union | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,819Fees | 0.231%Below | 928 | |
2 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,981Fees | 0.215%Below | 2,239 | |
3 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,648Fees | 0.274%Below | 249 | |
4 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $3,012Fees | 0.288%Above | 104 | |
5 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $2,463Fees | 0.370%Below | 191 | |
6 | NBH BankBank | Exceptional | Strong | Strong | Strong | Strong | $2,280Fees | 0.083%Above | 164 | |
7 | FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,106Fees | 0.041%Below | 125 | |
8 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,247Fees | 0.066%Above | 686 | |
9 | The Central Trust BankBank | Strong | Sound | Exceptional | Strong | Strong | $2,188Fees | 0.014%Below | 264 | |
10 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,654Fees | 0.032%Above | 167 | |
11 | NEST HOME LENDING, LLCIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | Strong | $3,981Fees | 0.353%Below | 128 | |
12 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,004Fees | 0.148%Above | 97 | |
13 | Plains Commerce BankBank | Strong | Sound | Exceptional | Strong | Strong | $3,522Fees | 0.107%Below | 75 | |
14 | GoodLeap, LLCIndependent Mortgage Company | Strong | Strong | Exceptional | Sound | Sound | $4,573Fees | 0.043%Above | 40 | |
15 | TOWNE MORTGAGE COMPANYIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | Sound | $2,769Fees | 0.132%Above | 35 | |
16 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,133Fees | 0.045%Above | 254 | |
17 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,392Fees | 0.305%Above | 243 | |
18 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $3,095Fees | 0.139%Above | 173 | |
19 | V.I.P. MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,545Fees | 0.232%Above | 152 | |
20 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $1,535Credit | 0.635%Above | 41 | |
21 | Northpointe BankBank | Strong | Sound | Exceptional | Strong | Sound | $3,289Fees | 0.155%Above | 41 | |
22 | NOVA FINANCIAL & INVESTMENT CORPORATIONIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,123Fees | 0.266%Above | 37 | |
23 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Sound | $3,212Fees | 0.109%Above | 36 | |
24 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $3,282Fees | 0.198%Above | 35 | |
25 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,173Fees | 0.073%Above | 302 | |
26 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,698Fees | 0.217%Below | 302 | |
27 | MORTGAGE SOLUTIONS OF COLORADO, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,094Fees | 0.229%Below | 234 | |
28 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,371Fees | 0.063%Above | 135 | |
29 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,921Fees | 0.068%Above | 132 | |
30 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,303Fees | 0.127%Above | 111 | |
31 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,921Fees | 0.250%Below | 99 | |
32 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,091Fees | 0.509%Above | 85 | |
33 | CORNERSTONE CAPITAL BANK, SSBBank | Strong | Acceptable | Exceptional | Exceptional | Sound | $6,495Fees | 0.045%Above | 50 | |
34 | AMERICAN FINANCING CORPORATIONIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Sound | $4,734Fees | 0.003%Below | 37 | |
35 | INTERCAP LENDING INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,059Fees | 0.374%Above | 36 | |
36 | VILLAGE CAPITAL & INVESTMENT LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Sound | $2,158Fees | 0.387%Below | 36 | |
37 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,641Fees | 0.194%Above | 28 | |
38 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,457Fees | 0.528%Above | 27 | |
39 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,484Fees | 0.337%Above | 164 | |
40 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,672Fees | 0.026%Above | 83 | |
41 | PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,923Fees | 0.543%Above | 71 | |
42 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $4,086Fees | 0.323%Below | 52 | |
43 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Sound | $5,659Fees | 0.360%Above | 39 | |
44 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $1,018Fees | 0.094%Below | 36 | |
45 | MASON MCDUFFIE MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Sound | $4,020Fees | 0.160%Above | 28 | |
46 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $3,703Fees | 0.243%Above | 129 | |
47 | Loan Simple, Inc.Independent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $4,326Fees | 0.561%Above | 51 | |
48 | Ixonia BankBank | Sound | Mediocre | Exceptional | Strong | Sound | $4,192Fees | 0.265%Above | 40 | |
49 | SECURITYNATIONAL MORTGAGE COMPANYIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $5,085Fees | 0.640%Above | 39 | |
50 | Luminate Home Loans, Inc.Independent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $4,464Fees | 0.704%Above | 28 |
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.