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 | $1,249Fees | 0.111%Below | 99 | |
2 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,275Fees | 0.039%Below | 695 | |
3 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,727Fees | 0.123%Above | 623 | |
4 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,625Fees | 0.177%Above | 218 | |
5 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $4,191Fees | 0.046%Above | 118 | |
6 | SAMMAMISH MORTGAGE COMPANYIndependent Mortgage Company | Strong | Strong | Strong | Sound | Strong | $635Fees | 0.005%Below | 88 | |
7 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,433Fees | 0.382%Above | 418 | |
8 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,975Fees | 0.454%Above | 409 | |
9 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,592Fees | 0.272%Above | 326 | |
10 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,300Fees | 0.354%Above | 324 | |
11 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $1,802Fees | 0.005%Below | 175 | |
12 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Strong | Strong | Sound | Sound | $2,211Fees | 0.103%Above | 41 | |
13 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,798Fees | 0.340%Above | 217 | |
14 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,774Fees | 0.102%Above | 100 | |
15 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $1,203Fees | 0.034%Below | 77 | |
16 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,363Fees | 0.187%Above | 74 | |
17 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $5,589Fees | 0.265%Above | 73 | |
18 | RESICENTRAL, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $297Fees | 0.110%Above | 46 | |
19 | General Mortgage Capital CorporationIndependent Mortgage Company | Strong | Sound | Strong | Strong | Sound | $738Fees | 0.127%Below | 38 | |
20 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,978Fees | 0.493%Above | 289 | |
21 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $4,424Fees | 0.352%Above | 191 | |
22 | NEWREZ LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $1,551Fees | 0.286%Above | 150 | |
23 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $426Fees | 0.436%Above | 114 | |
24 | SCENIC OAKS FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $3,180Fees | 0.397%Above | 50 | |
25 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,952Fees | 0.057%Below | 46 | |
26 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $4,815Fees | 0.348%Above | 34 | |
27 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $1,416Fees | 0.200%Above | 29 | |
28 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $5,199Fees | 0.403%Above | 27 | |
29 | NFM, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,321Fees | 0.304%Above | 141 | |
30 | EVERGREEN MONEYSOURCE MORTGAGE COMPANYIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $5,444Fees | 0.523%Above | 140 | |
31 | OriginPoint, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $2,807Fees | 0.263%Above | 77 | |
32 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $3,265Fees | 0.225%Above | 58 | |
33 | CANOPY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $5,355Fees | 0.517%Above | 34 | |
34 | Luminate Home Loans, Inc.Independent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $5,684Fees | 0.501%Above | 38 | |
35 | ENVOY MORTGAGE, LTDIndependent Mortgage Company | Sound | Acceptable | Strong | Sound | Sound | $5,076Fees | 0.191%Above | 31 | |
36 | PRIORITY HOME LENDING, LLCIndependent Mortgage Company | Sound | Mediocre | Sound | Sound | Strong | $4,308Fees | 0.460%Above | 38 |
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.