Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | City National Bank of FloridaBank | Exceptional | Exceptional | Strong | Strong | Strong | $1,977Fees | 0.341%Below | 108 | |
2 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,984Fees | 0.441%Above | 4,195 | |
3 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $3,109Fees | 0.237%Above | 199 | |
4 | FBC MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Sound | $2,922Fees | 0.190%Below | 73 | |
5 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $2,680Fees | 0.317%Above | 336 | |
6 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $3,028Fees | 0.298%Above | 47 | |
7 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $5,015Fees | 0.282%Above | 1,490 | |
8 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $4,260Fees | 0.571%Above | 288 | |
9 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,763Fees | 0.361%Above | 230 | |
10 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,982Fees | 0.528%Above | 213 | |
11 | Plains Commerce BankBank | Strong | Sound | Exceptional | Strong | Strong | $4,250Fees | 0.494%Above | 137 | |
12 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,416Fees | 0.377%Above | 86 | |
13 | TOWNE MORTGAGE COMPANYIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | Sound | $3,061Fees | 0.376%Above | 45 | |
14 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,991Fees | 0.660%Above | 762 | |
15 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Sound | Exceptional | $3,047Fees | 0.177%Above | 724 | |
16 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $3,526Fees | 0.539%Above | 277 | |
17 | Regions BankBank | Strong | Sound | Exceptional | Sound | Strong | $3,819Fees | 0.151%Above | 231 | |
18 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,285Fees | 0.305%Below | 164 | |
19 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $5,155Fees | 0.447%Above | 136 | |
20 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,748Fees | 0.414%Above | 213 | |
21 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,688Fees | 0.229%Above | 103 | |
22 | OCMBC, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $5,927Fees | 0.517%Above | 91 | |
23 | Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,533Fees | 0.614%Above | 79 | |
24 | AMERICAN BANCSHARES MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | Strong | $5,935Fees | 0.613%Above | 44 | |
25 | RIGHT START MORTGAGE, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $6,032Fees | 1.181%Above | 125 | |
26 | EVERETT FINANCIAL, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,215Fees | 0.799%Above | 106 | |
27 | POINT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $5,494Fees | 0.582%Above | 97 | |
28 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD.Independent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,262Fees | 0.349%Above | 93 | |
29 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $4,097Fees | 0.820%Above | 77 | |
30 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $4,839Fees | 0.480%Above | 65 | |
31 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,763Fees | 0.222%Above | 58 | |
32 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $4,286Fees | 0.463%Above | 56 | |
33 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $4,120Fees | 0.503%Above | 54 | |
34 | Hometown Equity Mortgage, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Sound | $5,802Fees | 1.012%Above | 49 | |
35 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,718Fees | 0.606%Above | 45 | |
36 | CAPITAL PARTNERS MORTGAGE SERVICES LLC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $3,611Fees | 0.493%Above | 43 | |
37 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $5,686Fees | 0.338%Above | 40 | |
38 | A&D Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Sound | Sound | Exceptional | $5,322Fees | 0.892%Above | 558 | |
39 | MY MORTGAGE, INC.Independent Mortgage Company | Strong | Mediocre | Strong | Strong | Exceptional | $4,613Fees | 0.951%Above | 240 | |
40 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $5,032Fees | 0.575%Above | 180 | |
41 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,906Fees | 0.244%Above | 92 | |
42 | PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,473Fees | 0.707%Above | 84 | |
43 | NATIONWIDE MORTGAGE BANKERS, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,706Fees | 1.025%Above | 75 | |
44 | GENEVA FINANCIAL, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Sound | $4,878Fees | 0.608%Above | 62 | |
45 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $4,443Fees | 0.431%Above | 47 | |
46 | BELEM SERVICING LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Sound | $5,546Fees | 0.528%Above | 41 | |
47 | Cornerstone First Mortgage, IncIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $5,808Fees | 0.828%Above | 110 | |
48 | DG PINNACLE FUNDING LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $4,970Fees | 0.712%Above | 96 | |
49 | BANKING MORTGAGE SERVICES, B.M.S. CORP.Independent Mortgage Company | Sound | Mediocre | Sound | Exceptional | Strong | $7,279Fees | 0.761%Above | 82 | |
50 | FIRST EQUITY MORTGAGE BANKERS, INC.Independent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $5,682Fees | 0.618%Above | 54 |
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.