Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | MEGASTAR FINANCIAL CORP.Independent Mortgage Company | Exceptional | Exceptional | Strong | Sound | Strong | $6,633Credit | 0.515%Above | 31 | |
2 | PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company | Exceptional | Exceptional | Exceptional | Sound | Sound | $2,181Fees | 0.166%Below | 20 | |
3 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,927Fees | 0.056%Below | 278 | |
4 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,406Fees | 0.090%Above | 793 | |
5 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,461Fees | 0.145%Above | 294 | |
6 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,953Fees | 0.423%Above | 235 | |
7 | PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,319Fees | 0.367%Above | 167 | |
8 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $1,746Fees | 0.063%Below | 49 | |
9 | V.I.P. MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,852Fees | 0.119%Above | 45 | |
10 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Strong | Strong | Sound | Sound | $1,575Fees | 0.002%Above | 18 | |
11 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $3,565Fees | 0.353%Above | 14 | |
12 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $3,342Fees | 0.194%Above | 13 | |
13 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $5,037Fees | 0.525%Above | 186 | |
14 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,064Fees | 0.509%Above | 128 | |
15 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,808Fees | 0.320%Above | 120 | |
16 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,611Fees | 0.079%Above | 100 | |
17 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,485Fees | 0.263%Above | 88 | |
18 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,986Fees | 0.192%Above | 68 | |
19 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $2,998Fees | 0.153%Below | 62 | |
20 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $3,545Fees | 0.431%Above | 118 | |
21 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $970Fees | 0.003%Below | 92 | |
22 | GROUP MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $3,784Fees | 0.251%Above | 60 | |
23 | NEWREZ LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $3,114Fees | 0.249%Above | 57 | |
24 | NEST HOME LENDING, LLCIndependent Mortgage Company | Strong | Sound | Sound | Sound | Strong | $4,927Fees | 0.492%Below | 43 | |
25 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $4,470Fees | 0.644%Above | 37 | |
26 | TOWNE MORTGAGE COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,807Fees | 0.068%Above | 29 | |
27 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,978Fees | 0.494%Above | 28 | |
28 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,471Fees | 0.294%Above | 27 | |
29 | NOVA FINANCIAL & INVESTMENT CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,314Fees | 0.368%Above | 24 | |
30 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,888Fees | 0.226%Above | 22 | |
31 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,814Fees | 0.506%Above | 16 | |
32 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $4,352Fees | 0.290%Below | 15 | |
33 | VAN DYK MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $3,165Fees | 0.693%Above | 103 | |
34 | NFM, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,250Fees | 0.357%Below | 78 | |
35 | Luminate Home Loans, Inc.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,347Fees | 0.529%Above | 50 | |
36 | Synergy One Lending, Inc.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Sound | $4,677Fees | 0.295%Above | 21 | |
37 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $3,887Fees | 0.204%Above | 21 | |
38 | KEYSTONE FUNDING, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Sound | $676Fees | 0.224%Above | 18 | |
39 | AMERICAN FINANCING CORPORATIONIndependent Mortgage Company | Sound | Acceptable | Strong | Acceptable | Strong | $6,009Fees | 0.074%Above | 125 | |
40 | EVERETT FINANCIAL, INC.Independent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $5,633Fees | 0.460%Above | 20 | |
41 | American Liberty Mortgage, IncorporatedIndependent Mortgage Company | Sound | Sound | Sound | Acceptable | Sound | $2,834Fees | 0.336%Above | 20 | |
42 | SUMMIT FUNDING, INC.Independent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $3,253Fees | 0.599%Above | 15 | |
43 | OCMBC, INC.Independent Mortgage Company | Sound | Mediocre | Strong | Sound | Sound | $7,879Fees | 0.247%Above | 13 | |
44 | Loan Simple, Inc.Independent Mortgage Company | Sound | Mediocre | Sound | Acceptable | Strong | $3,421Fees | 0.786%Above | 55 | |
45 | BROOKHOLLOW MORTGAGE SERVICES, LTD.Independent Mortgage Company | Sound | Mediocre | Sound | Sound | Sound | $4,314Fees | 0.100%Below | 26 |
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.