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