Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | NATION ONE MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,997Fees | 0.096%Below | 27 | |
2 | KEYSTONE FUNDING, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,803Fees | 0.202%Above | 179 | |
3 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,613Fees | 0.033%Above | 125 | |
4 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,674Fees | 0.500%Above | 38 | |
5 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $369Fees | 0.441%Above | 31 | |
6 | PIKE CREEK MORTGAGE SERVICES, INC.Independent Mortgage Company | Exceptional | Sound | Strong | Exceptional | Exceptional | $3,759Fees | 0.354%Above | 163 | |
7 | MERIDIAN BANKBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,360Fees | 0.307%Above | 89 | |
8 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $1,346Fees | 0.002%Below | 31 | |
9 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $1,793Fees | 0.171%Above | 19 | |
10 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,779Fees | 0.347%Above | 193 | |
11 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,385Fees | 0.053%Above | 33 | |
12 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,653Fees | 0.253%Above | 97 | |
13 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $3,330Fees | 0.214%Above | 35 | |
14 | MICHIGAN MUTUAL, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $3,881Fees | 0.598%Above | 20 | |
15 | ALLIED MORTGAGE GROUP, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,172Fees | 0.417%Above | 18 | |
16 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,065Fees | 0.205%Above | 66 | |
17 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,490Fees | 0.496%Above | 33 | |
18 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $4,513Fees | 0.391%Above | 29 | |
19 | Evolve Bank & TrustBank | Strong | Sound | Strong | Strong | Sound | $3,850Fees | 0.479%Above | 24 | |
20 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,335Fees | 0.081%Above | 20 | |
21 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,581Fees | 0.039%Above | 28 | |
22 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,351Fees | 0.843%Above | 20 | |
23 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,833Fees | 0.616%Above | 11 | |
24 | EMBRACE HOME LOANS, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $4,896Fees | 0.348%Above | 11 | |
25 | PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,176Fees | 0.562%Above | 65 | |
26 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,937Fees | 0.448%Above | 47 | |
27 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $5,256Fees | 0.513%Above | 37 | |
28 | Luminate Home Loans, Inc.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $5,836Fees | 0.270%Above | 32 | |
29 | TIDEWATER MORTGAGE SERVICES, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Sound | $2,273Fees | 0.316%Above | 23 | |
30 | MDE HOME LOANS, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Sound | $3,985Fees | 0.552%Above | 13 | |
31 | AMERISAVE MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $920Fees | 0.328%Above | 11 | |
32 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Acceptable | $4,985Fees | 1.184%Above | 10 | |
33 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $5,030Fees | 0.458%Above | 23 | |
34 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Sound | $3,563Fees | 0.531%Above | 17 |
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.