Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | VICTORY MORTGAGE, L.L.C.Independent Mortgage Company | Exceptional | Exceptional | Strong | Exceptional | $714Fees | 0.220%Below | 365 | |
2 | THE EQUITABLE MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Strong | Exceptional | $1,612Fees | 0.110%Above | 419 | |
3 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $2,358Fees | 0.244%Above | 1,381 | |
4 | PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company | Strong | Exceptional | Sound | Sound | $1,177Fees | 0.120%Below | 71 | |
5 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Sound | Strong | Exceptional | $2,884Fees | 0.213%Above | 615 | |
6 | RUOFF MORTGAGE COMPANY, INC.Independent Mortgage Company | Strong | Sound | Strong | Exceptional | $2,654Fees | 0.342%Above | 446 | |
7 | EQUITY RESOURCES, INC.Independent Mortgage Company | Strong | Sound | Strong | Exceptional | $1,521Fees | 0.287%Above | 319 | |
8 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,967Fees | 0.358%Above | 1,760 | |
9 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,822Fees | 0.587%Above | 1,737 | |
10 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,229Fees | 0.714%Above | 1,042 | |
11 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Strong | $2,384Fees | 0.334%Above | 246 | |
12 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $1,676Fees | 0.098%Above | 246 | |
13 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $3,752Fees | 0.438%Above | 149 | |
14 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Sound | $3,576Fees | 0.054%Above | 62 | |
15 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $3,642Fees | 0.633%Above | 1,116 | |
16 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $3,262Fees | 0.562%Above | 701 | |
17 | M/I FINANCIAL, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $2,695Fees | 0.077%Above | 654 | |
18 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,146Fees | 0.472%Above | 299 | |
19 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,151Fees | 0.607%Above | 282 | |
20 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Sound | Strong | $1,809Fees | 0.233%Above | 181 | |
21 | DAS Acquisition Company, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,680Fees | 0.563%Above | 138 | |
22 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,629Fees | 0.365%Above | 100 | |
23 | GoodLeap, LLCIndependent Mortgage Company | Strong | Sound | Sound | Strong | $4,043Fees | 0.038%Below | 89 | |
24 | HOMESPIRE MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,057Fees | 0.257%Above | 88 | |
25 | J. VIRGIL, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,457Fees | 0.730%Above | 84 | |
26 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,044Fees | 0.639%Above | 285 | |
27 | RMC HOME MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $4,794Fees | 0.098%Above | 240 | |
28 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $1,826Fees | 0.356%Above | 198 | |
29 | HOWARD HANNA FINANCIAL SERVICES, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,441Fees | 0.433%Above | 173 | |
30 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,885Fees | 0.555%Above | 164 | |
31 | UNION CAPITAL MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,116Fees | 0.290%Above | 84 | |
32 | Nations Lending CorporationIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | $4,117Fees | 0.603%Above | 57 | |
33 | GO MORTGAGE, LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Exceptional | $2,806Fees | 0.556%Above | 333 | |
34 | NEWREZ LLCIndependent Mortgage Company | Sound | Acceptable | Sound | Strong | $2,574Fees | 0.510%Above | 270 | |
35 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Acceptable | Sound | Strong | $3,270Fees | 0.733%Above | 84 | |
36 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Sound | Acceptable | Sound | Strong | $4,229Fees | 0.572%Above | 77 | |
37 | GENEVA FINANCIAL, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | $4,513Fees | 0.784%Above | 75 | |
38 | UIF CORPORATIONIndependent Mortgage Company | Sound | Acceptable | Sound | Strong | $2,554Fees | 0.572%Above | 69 | |
39 | DEVELOPER'S MORTGAGE COMPANYIndependent Mortgage Company | Sound | Acceptable | Sound | Strong | $859Fees | 0.244%Above | 63 | |
40 | RAPID MORTGAGE COMPANYIndependent Mortgage Company | Sound | Mediocre | Sound | Exceptional | $3,942Fees | 0.649%Above | 231 | |
41 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | $3,598Fees | 0.771%Above | 64 | |
42 | Farm Credit Mid-America, ACAIndependent Mortgage Company | Sound | Mediocre | Sound | Strong | $5,170Fees | 0.443%Above | 62 |
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.