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 | PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company | Exceptional | Exceptional | Exceptional | Sound | Exceptional | $165Fees | 0.216%Below | 1,233 | |
2 | PRIORITY HOME MORTGAGE, L.P.Independent Mortgage Company | Exceptional | Exceptional | Strong | Sound | Exceptional | $376Fees | 0.063%Below | 591 | |
3 | BHOME MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Exceptional | Sound | Sound | Exceptional | $1,049Fees | 0.126%Below | 643 | |
4 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,064Fees | 0.072%Above | 1,855 | |
5 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,270Fees | 0.236%Above | 1,138 | |
6 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $1,732Fees | 0.065%Above | 6,943 | |
7 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,973Fees | 0.327%Above | 4,582 | |
8 | VELOCIO MORTGAGE L.L.C.Independent Mortgage Company | Strong | Strong | Strong | Sound | Strong | $1,389Fees | 0.656%Below | 462 | |
9 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,035Fees | 0.196%Above | 233 | |
10 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Strong | Strong | Sound | Strong | $1,812Fees | 0.062%Above | 167 | |
11 | FIRST CONTINENTAL MORTGAGE, LTD.Independent Mortgage Company | Strong | Exceptional | Acceptable | Sound | Strong | $302Fees | 0.620%Below | 167 | |
12 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,632Fees | 0.209%Above | 163 | |
13 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,727Fees | 0.062%Below | 1,526 | |
14 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,857Fees | 0.527%Above | 1,326 | |
15 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,536Fees | 0.118%Above | 1,267 | |
16 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,305Fees | 0.379%Above | 1,139 | |
17 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,854Fees | 0.140%Above | 979 | |
18 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,393Fees | 0.388%Above | 910 | |
19 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,872Fees | 0.320%Above | 837 | |
20 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,364Fees | 0.163%Above | 669 | |
21 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $1,721Fees | 0.006%Above | 628 | |
22 | AMERIHOME MORTGAGE COMPANY, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $1,438Fees | 0.078%Above | 360 | |
23 | JET HOMELOANS, LPIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $2,683Fees | 0.259%Above | 300 | |
24 | HIGHLAND HOMELOANS, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $3,406Fees | 0.213%Below | 231 | |
25 | MATTAMY HOME FUNDING, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $433Fees | 0.360%Above | 184 | |
26 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,054Fees | 0.387%Above | 657 | |
27 | M/I FINANCIAL, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $4,488Fees | 0.128%Above | 642 | |
28 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $2,260Fees | 0.117%Above | 618 | |
29 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,133Fees | 0.301%Above | 417 | |
30 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,451Fees | 0.340%Above | 395 | |
31 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,916Fees | 0.440%Above | 368 | |
32 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,943Fees | 0.348%Above | 355 | |
33 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,058Fees | 0.020%Above | 294 | |
34 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,164Fees | 0.350%Above | 288 | |
35 | SWBC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,250Fees | 0.306%Above | 283 | |
36 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,601Fees | 0.249%Above | 190 | |
37 | GoodLeap, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $3,948Fees | 0.183%Above | 178 | |
38 | Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,725Fees | 0.150%Above | 175 | |
39 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,647Fees | 0.829%Above | 156 | |
40 | EVERETT FINANCIAL, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,376Fees | 0.453%Above | 1,549 | |
41 | AMERICAN PORTFOLIO MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Exceptional | $3,695Fees | 0.445%Above | 1,083 | |
42 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $3,612Fees | 0.542%Above | 386 | |
43 | NEWREZ LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $3,340Fees | 0.351%Above | 353 | |
44 | THE MORTGAGE LINK, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $4,359Fees | 0.396%Above | 345 | |
45 | PLANET HOME LENDING, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $3,170Fees | 0.101%Above | 213 | |
46 | AML FUNDING LLCIndependent Mortgage Company | Strong | Sound | Sound | Sound | Strong | $2,207Fees | 0.256%Above | 194 | |
47 | Synergy One Lending, Inc.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $4,623Fees | 0.356%Above | 193 | |
48 | MORTGAGE FINANCIAL SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $2,849Fees | 0.370%Above | 191 | |
49 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $2,365Fees | 1.041%Above | 153 | |
50 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $2,348Fees | 0.365%Above | 463 |
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.