Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,586Fees | 0.229%Above | 216 | |
2 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,594Fees | 0.460%Above | 57 | |
3 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,762Fees | 0.186%Above | 48 | |
4 | First Heritage Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Sound | $2,852Fees | 0.204%Above | 40 | |
5 | INTERCOASTAL MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Strong | Strong | Strong | $1,607Fees | 0.133%Above | 55 | |
6 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $2,681Fees | 0.079%Below | 48 | |
7 | Towne BankBank | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,104Fees | 0.252%Above | 47 | |
8 | Manufacturers and Traders Trust CompanyBank | Exceptional | Strong | Exceptional | Strong | Sound | $1,630Fees | 0.296%Above | 31 | |
9 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,470Fees | 0.359%Above | 389 | |
10 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,088Fees | 0.053%Above | 81 | |
11 | Truist BankBank | Strong | Strong | Strong | Sound | Strong | $1,333Fees | 0.162%Above | 49 | |
12 | United BankBank | Strong | Strong | Strong | Strong | Sound | $1,846Fees | 0.099%Above | 25 | |
13 | Integrity Home Mortgage CorporationIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,157Fees | 0.544%Above | 358 | |
14 | HOMESPIRE MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,525Fees | 0.282%Above | 226 | |
15 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,482Fees | 0.053%Above | 125 | |
16 | Atlantic Coast Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,577Fees | 0.322%Above | 100 | |
17 | Shore United Bank, N.A.Bank | Strong | Sound | Strong | Strong | Strong | $3,861Fees | 0.269%Above | 51 | |
18 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,068Fees | 0.467%Above | 49 | |
19 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $2,263Fees | 0.482%Above | 47 | |
20 | RMC HOME MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $4,319Fees | 0.149%Above | 26 | |
21 | MICHIGAN MUTUAL, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,175Fees | 0.105%Above | 22 | |
22 | MERIDIAN BANKBank | Strong | Sound | Exceptional | Strong | Sound | $940Fees | 0.308%Above | 14 | |
23 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,793Fees | 0.350%Above | 11 | |
24 | Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,547Fees | 0.440%Above | 81 | |
25 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,752Fees | 0.523%Above | 56 | |
26 | EMBRACE HOME LOANS, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,103Fees | 0.315%Above | 50 | |
27 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $4,176Fees | 0.632%Above | 41 | |
28 | MILLENNIUM FINANCIAL GROUP, INC.Independent Mortgage Company | Strong | Sound | Sound | Strong | Strong | $2,441Fees | 0.239%Above | 39 | |
29 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,007Fees | 0.330%Above | 34 | |
30 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,150Fees | 0.622%Above | 27 | |
31 | BAY CAPITAL MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Strong | Sound | $2,714Fees | 0.297%Above | 23 | |
32 | FIRST HOME MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $3,928Fees | 0.545%Above | 105 | |
33 | DIRECT MORTGAGE LOANS, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $5,012Fees | 0.552%Above | 56 | |
34 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,021Fees | 0.397%Above | 39 | |
35 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,909Fees | 0.238%Above | 38 | |
36 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $4,873Fees | 0.375%Above | 24 | |
37 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,399Fees | 0.235%Above | 20 | |
38 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $1,728Fees | 0.653%Above | 19 | |
39 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,682Fees | 0.831%Above | 16 | |
40 | Vellum Mortgage, Inc.Independent Mortgage Company | Strong | Acceptable | Strong | Exceptional | Sound | $4,266Fees | 0.617%Above | 15 | |
41 | THE MORTGAGE LINK, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,923Fees | 0.494%Above | 11 | |
42 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,643Fees | 0.338%Above | 64 | |
43 | Presidential Bank, FSBBank | Strong | Acceptable | Strong | Strong | Sound | $3,181Fees | 0.425%Above | 30 | |
44 | AMERISAVE MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $3,914Fees | 0.754%Above | 29 | |
45 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $5,098Fees | 0.619%Above | 19 | |
46 | EVERETT FINANCIAL, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Sound | $4,364Fees | 0.530%Above | 19 | |
47 | CITY LENDING INC.Independent Mortgage Company | Sound | Mediocre | Strong | Exceptional | Sound | $4,588Fees | 1.142%Above | 27 | |
48 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $3,386Fees | 0.934%Above | 26 | |
49 | FIDELITY DIRECT MORTGAGE, LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Exceptional | Sound | $3,470Fees | 0.563%Above | 13 | |
50 | GO MORTGAGE, LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Sound | $4,628Fees | 0.352%Above | 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.