Safe Rate Rankings
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| 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 | Strong | $1,076Fees | 0.105%Below | 287 | |
2 | MEGASTAR FINANCIAL CORP.Independent Mortgage Company | Exceptional | Exceptional | Strong | Sound | Strong | $6,153Credit | 0.239%Above | 264 | |
3 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,823Fees | 0.085%Above | 6,898 | |
4 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,433Fees | 0.104%Above | 2,715 | |
5 | V.I.P. MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,283Fees | 0.296%Above | 837 | |
6 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,867Fees | 0.080%Below | 752 | |
7 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Strong | Strong | Sound | Strong | $1,305Fees | 0.034%Above | 226 | |
8 | M2 LENDING SOLUTIONS, LLCIndependent Mortgage Company | Strong | Strong | Sound | Sound | Exceptional | $2,230Fees | 0.172%Above | 225 | |
9 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,324Fees | 0.117%Above | 185 | |
10 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,120Fees | 0.047%Above | 121 | |
11 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,203Fees | 0.315%Above | 1,279 | |
12 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,844Fees | 0.359%Above | 1,086 | |
13 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,827Fees | 0.402%Above | 1,009 | |
14 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,804Fees | 0.227%Above | 624 | |
15 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $1,656Fees | 0.086%Below | 382 | |
16 | JET HOMELOANS, LPIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $2,686Fees | 0.165%Below | 140 | |
17 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,092Fees | 0.064%Above | 547 | |
18 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,531Fees | 0.408%Above | 546 | |
19 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,977Fees | 0.133%Above | 512 | |
20 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,040Fees | 0.135%Above | 493 | |
21 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $2,089Fees | 0.027%Below | 454 | |
22 | NOVA FINANCIAL & INVESTMENT CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,749Fees | 0.367%Above | 316 | |
23 | SWBC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,573Fees | 0.189%Above | 312 | |
24 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,117Fees | 0.344%Above | 235 | |
25 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,511Fees | 0.133%Above | 193 | |
26 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,978Fees | 0.214%Above | 187 | |
27 | TOWNE MORTGAGE COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,918Fees | 0.110%Above | 182 | |
28 | PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,506Fees | 0.330%Above | 174 | |
29 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,285Fees | 0.187%Above | 169 | |
30 | RESICENTRAL, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $807Fees | 0.087%Above | 162 | |
31 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,127Fees | 0.219%Above | 158 | |
32 | NMSI, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Exceptional | Strong | $1,457Fees | 0.150%Above | 143 | |
33 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,687Fees | 0.319%Above | 136 | |
34 | ALLIED MORTGAGE GROUP, INC.Independent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $2,159Fees | 0.277%Above | 108 | |
35 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,081Fees | 0.333%Above | 98 | |
36 | INTERCAP LENDING INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,193Fees | 0.303%Above | 96 | |
37 | Commerce Home Mortgage, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $451Fees | 0.418%Above | 88 | |
38 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $4,071Fees | 0.419%Above | 572 | |
39 | Synergy One Lending, Inc.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $3,602Fees | 0.238%Above | 419 | |
40 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $1,289Fees | 0.617%Above | 376 | |
41 | NEWREZ LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $2,328Fees | 0.216%Above | 334 | |
42 | NEST HOME LENDING, LLCIndependent Mortgage Company | Strong | Sound | Sound | Sound | Strong | $4,314Fees | 0.457%Below | 246 | |
43 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $2,661Fees | 0.281%Above | 229 | |
44 | KEYSTONE FUNDING, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $1,764Fees | 0.094%Above | 194 | |
45 | PLANET HOME LENDING, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $3,624Fees | 0.161%Above | 148 | |
46 | AMERICAN FINANCING CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Acceptable | Exceptional | $5,971Fees | 0.037%Above | 758 | |
47 | ZILLOW HOME LOANS, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $3,244Fees | 0.118%Above | 464 | |
48 | Luminate Home Loans, Inc.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,100Fees | 0.479%Above | 357 | |
49 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $572Fees | 0.092%Below | 256 | |
50 | OriginPoint, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $3,484Fees | 0.299%Above | 109 |
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.