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 | $3,471Fees | 0.244%Above | 2,579 | |
2 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,415Fees | 0.281%Above | 38,081 | |
3 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,427Fees | 0.268%Above | 21,334 | |
4 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,895Fees | 0.181%Above | 3,538 | |
5 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,407Fees | 0.378%Above | 3,386 | |
6 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,473Fees | 0.263%Above | 2,971 | |
7 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Exceptional | $2,500Fees | 0.023%Above | 5,290 | |
8 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,285Fees | 0.349%Above | 760 | |
9 | SWBC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,915Fees | 0.405%Above | 742 | |
10 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,161Fees | 0.526%Above | 7,983 | |
11 | FBC MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Exceptional | $2,642Fees | 0.055%Above | 2,836 | |
12 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $3,176Fees | 0.635%Above | 1,353 | |
13 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $3,222Fees | 0.329%Above | 1,310 | |
14 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $3,319Fees | 0.270%Above | 1,103 | |
15 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Exceptional | $3,991Fees | 0.608%Above | 3,535 | |
16 | NEWREZ LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Exceptional | $2,830Fees | 0.390%Above | 3,238 | |
17 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Exceptional | $3,914Fees | 0.548%Above | 3,144 | |
18 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,798Fees | 0.481%Above | 2,782 | |
19 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,651Fees | 0.404%Above | 1,626 | |
20 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,123Fees | 0.368%Above | 1,516 | |
21 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $3,480Fees | 0.446%Above | 982 | |
22 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Strong | Sound | Acceptable | Strong | $2,612Fees | 0.168%Above | 753 | |
23 | NFM, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,103Fees | 0.021%Above | 2,022 | |
24 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $3,000Fees | 0.433%Above | 1,274 | |
25 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $2,914Fees | 0.359%Above | 1,134 | |
26 | EVERETT FINANCIAL, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Sound | Exceptional | $3,986Fees | 0.709%Above | 2,431 | |
27 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $3,300Fees | 0.457%Above | 1,846 | |
28 | A&D Mortgage LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Sound | Exceptional | $4,697Fees | 0.790%Above | 1,652 | |
29 | Waterstone Mortgage CorporationIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $4,792Fees | 0.499%Above | 1,343 | |
30 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $4,838Fees | 0.432%Above | 884 | |
31 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $2,162Fees | 0.266%Above | 652 | |
32 | ANGEL OAK MORTGAGE SOLUTIONS LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,958Fees | 1.157%Above | 600 | |
33 | THE MORTGAGE FIRM, INC.Independent Mortgage Company | Sound | Mediocre | Strong | Sound | Exceptional | $3,492Fees | 0.491%Above | 2,773 | |
34 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $5,272Fees | 0.640%Above | 1,314 | |
35 | OCMBC, INC.Independent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $4,435Fees | 0.785%Above | 679 | |
36 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $2,762Fees | 0.489%Above | 626 | |
37 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Sound | Mediocre | Strong | Sound | Strong | $3,519Fees | 0.503%Above | 833 | |
38 | MY MORTGAGE, INC.Independent Mortgage Company | Sound | Mediocre | — | Strong | Strong | $4,943Fees | 0.925%Above | 690 | |
39 | JMAC LENDING, INC.Independent Mortgage Company | Sound | Mediocre | Strong | Sound | Strong | $2,785Fees | 0.359%Above | 613 | |
40 | PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company | Sound | Mediocre | Strong | Sound | Strong | $4,806Fees | 0.630%Above | 587 | |
41 | VAN DYK MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Acceptable | Sound | Mediocre | Strong | $3,304Fees | 0.460%Above | 618 | |
42 | Click n' Close, Inc.Independent Mortgage Company | Sound | Mediocre | Sound | Acceptable | Strong | $7,673Fees | 1.765%Above | 749 |
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.