Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,079Fees | 0.371%Above | 498 | |
2 | Wilmington Savings Fund Society, FSBBank | Exceptional | Exceptional | Strong | Sound | Exceptional | $684Fees | 0.068%Below | 265 | |
3 | NATION ONE MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Strong | $3,236Fees | 0.015%Below | 187 | |
4 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,211Fees | 0.059%Above | 484 | |
5 | KEYSTONE FUNDING, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,515Fees | 0.301%Above | 412 | |
6 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $3,478Fees | 0.234%Above | 160 | |
7 | Manufacturers and Traders Trust CompanyBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,832Fees | 0.170%Above | 97 | |
8 | PIKE CREEK MORTGAGE SERVICES, INC.Independent Mortgage Company | Exceptional | Sound | Strong | Exceptional | Exceptional | $3,582Fees | 0.308%Above | 927 | |
9 | MERIDIAN BANKBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,666Fees | 0.225%Above | 510 | |
10 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $1,455Fees | 0.066%Above | 132 | |
11 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $2,547Fees | 0.276%Above | 36 | |
12 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,460Fees | 0.322%Above | 1,024 | |
13 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,332Fees | 0.317%Above | 391 | |
14 | Capital Bank, National AssociationBank | Strong | Strong | Strong | Sound | Strong | $2,524Fees | 0.279%Above | 174 | |
15 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,696Fees | 0.357%Above | 262 | |
16 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $3,010Fees | 0.253%Above | 224 | |
17 | Evolve Bank & TrustBank | Strong | Sound | Strong | Strong | Strong | $3,954Fees | 0.320%Above | 138 | |
18 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,434Fees | 0.432%Above | 86 | |
19 | MLD MORTGAGE INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,700Fees | 0.088%Below | 53 | |
20 | ALLIED MORTGAGE GROUP, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $1,705Fees | 0.371%Above | 42 | |
21 | EMM LOANS LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $4,032Fees | 0.441%Above | 41 | |
22 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Sound | $2,325Fees | 0.440%Above | 38 | |
23 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $3,733Fees | 0.387%Above | 31 | |
24 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,816Fees | 0.217%Above | 371 | |
25 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,675Fees | 0.312%Above | 289 | |
26 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,362Fees | 0.306%Above | 246 | |
27 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,673Fees | 0.313%Above | 104 | |
28 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,486Fees | 0.500%Above | 95 | |
29 | EMBRACE HOME LOANS, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,256Fees | 0.402%Above | 87 | |
30 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,806Fees | 0.296%Above | 71 | |
31 | Nations Lending CorporationIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,895Fees | 0.201%Above | 58 | |
32 | Magnolia Bank, IncorporatedBank | Strong | Sound | Strong | Strong | Sound | $3,292Fees | 0.253%Above | 55 | |
33 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $2,715Fees | 0.509%Above | 42 | |
34 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $3,320Fees | 0.476%Above | 146 | |
35 | TIDEWATER MORTGAGE SERVICES, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $2,237Fees | 0.426%Above | 69 | |
36 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,298Fees | 0.630%Above | 60 | |
37 | NEW FED MORTGAGE, CORP.Independent Mortgage Company | Strong | Acceptable | Strong | Exceptional | Sound | $3,819Fees | 0.398%Above | 33 | |
38 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,519Fees | 0.286%Above | 32 | |
39 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,979Fees | 0.402%Above | 234 | |
40 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $5,368Fees | 0.580%Above | 178 | |
41 | PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,911Fees | 0.452%Above | 145 | |
42 | Luminate Home Loans, Inc.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $5,030Fees | 0.443%Above | 106 | |
43 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,656Fees | 0.434%Above | 97 | |
44 | ABSOLUTE HOME MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,526Fees | 0.537%Above | 73 | |
45 | Waterstone Mortgage CorporationIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Sound | $4,726Fees | 0.452%Above | 50 | |
46 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $203Fees | 0.007%Below | 47 | |
47 | AMERISAVE MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $3,193Fees | 0.624%Above | 45 | |
48 | DIRECT MORTGAGE LOANS, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Sound | $4,435Fees | 0.595%Above | 38 | |
49 | MDE HOME LOANS, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Sound | $416Credit | 0.133%Above | 35 | |
50 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $4,196Fees | 0.379%Above | 35 |
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.