Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | VICTORY MORTGAGE, L.L.C.Independent Mortgage Company | Exceptional | Exceptional | Strong | Strong | $632Fees | 0.030%Below | 254 | |
2 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $2,474Fees | 0.318%Above | 3,640 | |
3 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $4,447Fees | 0.019%Above | 1,219 | |
4 | MORTGAGE MASTERS OF INDIANA, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $1,482Fees | 0.319%Above | 801 | |
5 | RUOFF MORTGAGE COMPANY, INC.Independent Mortgage Company | Strong | Sound | Strong | Exceptional | $1,831Fees | 0.432%Above | 5,510 | |
6 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | $2,132Fees | 0.474%Above | 1,304 | |
7 | MJW FINANCIAL LLCIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | $1,611Fees | 0.383%Above | 1,221 | |
8 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,509Fees | 0.481%Above | 6,448 | |
9 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $2,757Fees | 0.617%Above | 2,784 | |
10 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $2,411Fees | 0.732%Above | 1,275 | |
11 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | $2,260Fees | 0.437%Above | 982 | |
12 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $3,137Fees | 0.526%Above | 811 | |
13 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $1,142Fees | 0.031%Above | 458 | |
14 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $1,559Fees | 0.604%Above | 1,700 | |
15 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,505Fees | 0.468%Above | 867 | |
16 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,851Fees | 0.832%Above | 641 | |
17 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,283Fees | 0.618%Above | 551 | |
18 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,036Fees | 0.626%Above | 549 | |
19 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,778Fees | 0.662%Above | 475 | |
20 | GoodLeap, LLCIndependent Mortgage Company | Strong | Sound | Sound | Strong | $3,691Fees | 0.156%Above | 430 | |
21 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Sound | Strong | $1,431Fees | 0.237%Above | 277 | |
22 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,835Fees | 0.632%Above | 233 | |
23 | AMERIHOME MORTGAGE COMPANY, LLCIndependent Mortgage Company | Strong | Sound | Sound | Strong | $2,310Fees | 0.460%Above | 191 | |
24 | GVC MORTGAGE, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | $3,110Fees | 0.547%Above | 3,045 | |
25 | HALLMARK HOME MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | $2,559Fees | 0.644%Above | 1,542 | |
26 | NEWREZ LLCIndependent Mortgage Company | Strong | Acceptable | Sound | Exceptional | $1,955Fees | 0.523%Above | 1,431 | |
27 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,158Fees | 0.696%Above | 1,396 | |
28 | STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,095Fees | 0.556%Above | 653 | |
29 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,205Fees | 0.544%Above | 583 | |
30 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $1,733Fees | 0.746%Above | 442 | |
31 | M/I FINANCIAL, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $6,197Fees | 0.533%Below | 414 | |
32 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $1,401Fees | 0.553%Above | 322 | |
33 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,188Fees | 0.387%Above | 318 | |
34 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $1,743Fees | 0.514%Above | 312 | |
35 | HOWARD HANNA FINANCIAL SERVICES, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,203Fees | 0.378%Above | 289 | |
36 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,018Fees | 0.836%Above | 256 | |
37 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,726Fees | 0.408%Above | 240 | |
38 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $1,679Fees | 0.378%Above | 230 | |
39 | ZILLOW HOME LOANS, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,555Fees | 0.751%Above | 203 | |
40 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Acceptable | Sound | Strong | $3,201Fees | 0.791%Above | 704 | |
41 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Sound | Acceptable | Sound | Strong | $3,879Fees | 0.402%Above | 428 | |
42 | GENEVA FINANCIAL, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | $2,771Fees | 0.790%Above | 340 | |
43 | DIRECT MORTGAGE LOANS, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | $4,528Fees | 0.770%Above | 288 | |
44 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | $3,960Fees | 0.772%Above | 283 | |
45 | DIAMOND RESIDENTIAL MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | $3,095Fees | 0.725%Above | 501 | |
46 | ROYAL UNITED MORTGAGE LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | $2,380Fees | 0.832%Above | 439 | |
47 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | $3,008Fees | 0.555%Above | 426 | |
48 | CHURCHILL MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | $3,059Fees | 0.520%Above | 268 | |
49 | Luminate Home Loans, Inc.Independent Mortgage Company | Sound | Mediocre | Strong | Strong | $2,893Fees | 0.875%Above | 254 | |
50 | CALCON MUTUAL MORTGAGE LLCIndependent Mortgage Company | Sound | Mediocre | Sound | Strong | $2,822Fees | 0.628%Above | 482 |
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.