Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,132Fees | 0.474%Above | 1,304 | |
2 | VICTORY MORTGAGE, L.L.C.Independent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Strong | $632Fees | 0.030%Below | 254 | |
3 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,474Fees | 0.318%Above | 3,640 | |
4 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $4,447Fees | 0.019%Above | 1,219 | |
5 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,188Fees | 0.387%Above | 318 | |
6 | MORTGAGE MASTERS OF INDIANA, INC.Independent Mortgage Company | Exceptional | Sound | Strong | Exceptional | Exceptional | $1,482Fees | 0.319%Above | 801 | |
7 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $1,142Fees | 0.031%Above | 458 | |
8 | GoodLeap, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $3,691Fees | 0.156%Above | 430 | |
9 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,509Fees | 0.481%Above | 6,448 | |
10 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,757Fees | 0.617%Above | 2,784 | |
11 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Exceptional | $1,955Fees | 0.523%Above | 1,431 | |
12 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,411Fees | 0.732%Above | 1,275 | |
13 | MJW FINANCIAL LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $1,611Fees | 0.383%Above | 1,221 | |
14 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,137Fees | 0.526%Above | 811 | |
15 | M/I FINANCIAL, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $6,197Fees | 0.533%Below | 414 | |
16 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,679Fees | 0.378%Above | 230 | |
17 | RUOFF MORTGAGE COMPANY, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,831Fees | 0.432%Above | 5,510 | |
18 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,283Fees | 0.618%Above | 551 | |
19 | HOWARD HANNA FINANCIAL SERVICES, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $2,203Fees | 0.378%Above | 289 | |
20 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,835Fees | 0.632%Above | 233 | |
21 | GVC MORTGAGE, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $3,110Fees | 0.547%Above | 3,045 | |
22 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Exceptional | $1,559Fees | 0.604%Above | 1,700 | |
23 | HALLMARK HOME MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $2,559Fees | 0.644%Above | 1,542 | |
24 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,260Fees | 0.437%Above | 982 | |
25 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,505Fees | 0.468%Above | 867 | |
26 | STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,095Fees | 0.556%Above | 653 | |
27 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,851Fees | 0.832%Above | 641 | |
28 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,036Fees | 0.626%Above | 549 | |
29 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,778Fees | 0.662%Above | 475 | |
30 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,733Fees | 0.746%Above | 442 | |
31 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,401Fees | 0.553%Above | 322 | |
32 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,743Fees | 0.514%Above | 312 | |
33 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,018Fees | 0.836%Above | 256 | |
34 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,726Fees | 0.408%Above | 240 | |
35 | ZILLOW HOME LOANS, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,555Fees | 0.751%Above | 203 | |
36 | AMERIHOME MORTGAGE COMPANY, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $2,310Fees | 0.460%Above | 191 | |
37 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $3,879Fees | 0.402%Above | 428 | |
38 | GENEVA FINANCIAL, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $2,771Fees | 0.790%Above | 340 | |
39 | DIRECT MORTGAGE LOANS, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,528Fees | 0.770%Above | 288 | |
40 | AMERISAVE MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $3,537Fees | 0.806%Above | 283 | |
41 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $3,960Fees | 0.772%Above | 283 | |
42 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $1,431Fees | 0.237%Above | 277 | |
43 | MILESTONE HOME LENDING, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $3,316Fees | 0.637%Above | 268 | |
44 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,158Fees | 0.696%Above | 1,396 | |
45 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,205Fees | 0.544%Above | 583 | |
46 | DIAMOND RESIDENTIAL MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Strong | Exceptional | Strong | $3,095Fees | 0.725%Above | 501 | |
47 | CALCON MUTUAL MORTGAGE LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $2,822Fees | 0.628%Above | 482 | |
48 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,008Fees | 0.555%Above | 426 | |
49 | CHURCHILL MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,059Fees | 0.520%Above | 268 | |
50 | Luminate Home Loans, Inc.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $2,893Fees | 0.875%Above | 254 |
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.