Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,092Fees | 0.064%Above | 547 | |
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 | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,823Fees | 0.085%Above | 6,898 | |
4 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,433Fees | 0.104%Above | 2,715 | |
5 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,531Fees | 0.408%Above | 546 | |
6 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,977Fees | 0.133%Above | 512 | |
7 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,656Fees | 0.086%Below | 382 | |
8 | SWBC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,573Fees | 0.189%Above | 312 | |
9 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,511Fees | 0.133%Above | 193 | |
10 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,203Fees | 0.315%Above | 1,279 | |
11 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,844Fees | 0.359%Above | 1,086 | |
12 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,827Fees | 0.402%Above | 1,009 | |
13 | NOVA FINANCIAL & INVESTMENT CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $1,749Fees | 0.367%Above | 316 | |
14 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $2,661Fees | 0.281%Above | 229 | |
15 | NMSI, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,457Fees | 0.150%Above | 143 | |
16 | OriginPoint, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $3,484Fees | 0.299%Above | 109 | |
17 | V.I.P. MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $4,283Fees | 0.296%Above | 837 | |
18 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,040Fees | 0.135%Above | 493 | |
19 | Synergy One Lending, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,602Fees | 0.238%Above | 419 | |
20 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,687Fees | 0.319%Above | 136 | |
21 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $4,071Fees | 0.419%Above | 572 | |
22 | NEWREZ LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $2,328Fees | 0.216%Above | 334 | |
23 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $3,117Fees | 0.344%Above | 235 | |
24 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $3,127Fees | 0.219%Above | 158 | |
25 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $3,324Fees | 0.117%Above | 185 | |
26 | Luminate Home Loans, Inc.Independent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $4,100Fees | 0.479%Above | 357 | |
27 | Commerce Home Mortgage, Inc.Independent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $451Fees | 0.418%Above | 88 | |
28 | SELECT LENDING SERVICES LLCIndependent Mortgage Company | Sound | Acceptable | Sound | Acceptable | Strong | $2,052Fees | 0.290%Above | 89 |
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.