Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | HOMESTEAD FUNDING CORP.Independent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Strong | $1,460Fees | 0.141%Above | 358 | |
2 | MEMBERS MORTGAGE COMPANY, INC.Independent Mortgage Company | Exceptional | Exceptional | Strong | Sound | Exceptional | $725Fees | 0.304%Below | 286 | |
3 | PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,809Fees | 0.034%Above | 142 | |
4 | FIRST WORLD MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Sound | Strong | Exceptional | Exceptional | $2,566Fees | 0.287%Above | 1,179 | |
5 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,218Fees | 0.365%Above | 2,533 | |
6 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,094Fees | 0.315%Above | 2,211 | |
7 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,330Fees | 0.410%Above | 504 | |
8 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,732Fees | 0.397%Above | 349 | |
9 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,804Fees | 0.401%Above | 164 | |
10 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Strong | Strong | Sound | Strong | $1,616Fees | 0.160%Above | 164 | |
11 | TOTAL MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,443Fees | 0.462%Above | 2,298 | |
12 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,843Fees | 0.463%Above | 920 | |
13 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,222Fees | 0.361%Above | 914 | |
14 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,457Fees | 0.216%Above | 889 | |
15 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,217Fees | 0.464%Above | 734 | |
16 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,584Fees | 0.401%Above | 661 | |
17 | WILLIAM RAVEIS MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Exceptional | $2,342Fees | 0.184%Above | 481 | |
18 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $1,904Fees | 0.265%Above | 297 | |
19 | EQUITY RESOURCES, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $2,843Fees | 0.299%Above | 99 | |
20 | BETTER MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Exceptional | Strong | Mediocre | Sound | $1,086Fees | 0.026%Below | 74 | |
21 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,988Fees | 0.313%Above | 640 | |
22 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,031Fees | 0.526%Above | 390 | |
23 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,833Fees | 0.388%Above | 328 | |
24 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $2,455Fees | 0.528%Above | 274 | |
25 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,639Fees | 0.475%Above | 263 | |
26 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,969Fees | 0.301%Above | 232 | |
27 | PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,471Fees | 0.606%Above | 208 | |
28 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,489Fees | 0.481%Above | 195 | |
29 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,403Fees | 0.354%Above | 189 | |
30 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,545Fees | 0.269%Above | 143 | |
31 | WARSHAW CAPITAL, LLCIndependent Mortgage Company | Strong | Sound | Sound | Strong | Strong | $2,591Fees | 0.338%Above | 95 | |
32 | NEWREZ LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $2,916Fees | 0.486%Above | 527 | |
33 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $2,360Fees | 0.208%Above | 460 | |
34 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $3,145Fees | 0.504%Above | 338 | |
35 | NORTHPOINT MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $3,046Fees | 0.312%Above | 107 | |
36 | MORTGAGE MARKETS CUSO, LLCIndependent Mortgage Company | Strong | Sound | Sound | Sound | Strong | $2,127Fees | 0.114%Above | 96 | |
37 | NATIONS DIRECT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $2,474Fees | 0.531%Above | 82 | |
38 | EMM LOANS LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,735Fees | 0.618%Above | 81 | |
39 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,133Fees | 0.249%Above | 76 | |
40 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,733Fees | 0.321%Above | 69 | |
41 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $2,234Fees | 0.488%Above | 460 | |
42 | NORWICH COMMERCIAL GROUP, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $1,849Fees | 0.383%Above | 374 | |
43 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,264Fees | 0.507%Above | 287 | |
44 | MORTGAGE EQUITY PARTNERS LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $2,220Fees | 0.346%Above | 175 | |
45 | PROVINCE MORTGAGE ASSOCIATES, INC.Independent Mortgage Company | Strong | Acceptable | Sound | Strong | Strong | $2,328Fees | 0.373%Above | 124 | |
46 | EVERETT FINANCIAL, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,766Fees | 0.605%Above | 106 | |
47 | NFM, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,903Fees | 0.563%Above | 100 | |
48 | WASHINGTON TRUST MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Sound | Sound | Acceptable | Strong | $1,729Fees | 0.095%Above | 96 | |
49 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Sound | Acceptable | Strong | Acceptable | Strong | $5,109Fees | 0.738%Above | 157 | |
50 | MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP.Independent Mortgage Company | Sound | Mediocre | Strong | Sound | Strong | $6,978Fees | 0.856%Above | 98 |
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.