Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | IOWA BANKERS MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,157Fees | 0.056%Below | 2,020 | |
2 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,183Fees | 0.292%Above | 717 | |
3 | HOMESERVICES LENDING, LLCIndependent Mortgage Company | Exceptional | Strong | Strong | Exceptional | Exceptional | $2,443Fees | 0.278%Above | 504 | |
4 | RESIDENTIAL MORTGAGE NETWORK, INC.Independent Mortgage Company | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,199Fees | 0.017%Below | 424 | |
5 | GERSHMAN INVESTMENT CORP.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,334Fees | 0.037%Below | 466 | |
6 | RUHL MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Strong | Exceptional | Strong | $832Fees | 0.039%Below | 344 | |
7 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,939Fees | 0.458%Above | 245 | |
8 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,005Fees | 0.100%Above | 175 | |
9 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,367Fees | 0.684%Above | 170 | |
10 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,797Fees | 0.390%Above | 222 | |
11 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,644Fees | 0.431%Above | 173 | |
12 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,069Fees | 0.452%Above | 155 | |
13 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,334Fees | 0.508%Above | 1,620 | |
14 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,419Fees | 0.475%Above | 164 | |
15 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,114Fees | 0.297%Above | 153 | |
16 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,353Fees | 0.633%Above | 269 | |
17 | FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,922Fees | 0.355%Above | 229 | |
18 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $1,427Fees | 0.522%Above | 101 | |
19 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $1,494Fees | 0.314%Above | 72 | |
20 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,022Fees | 0.557%Above | 686 | |
21 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,443Fees | 0.464%Above | 431 | |
22 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,719Fees | 0.571%Above | 427 | |
23 | FRONTIER FINANCIAL, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Exceptional | Strong | $2,311Fees | 0.418%Above | 184 | |
24 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,834Fees | 0.993%Above | 157 | |
25 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,834Fees | 0.416%Above | 139 | |
26 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $2,375Fees | 0.386%Above | 99 | |
27 | Servion, Inc.Independent Mortgage Company | Strong | Sound | Strong | Strong | Sound | $1,025Fees | 0.326%Above | 73 | |
28 | LAND HOME FINANCIAL SERVICES, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $3,430Fees | 0.276%Above | 119 | |
29 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,530Fees | 0.680%Above | 110 | |
30 | V.I.P. MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $1,630Fees | 0.399%Above | 94 | |
31 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Sound | Exceptional | $2,805Fees | 0.529%Above | 1,138 | |
32 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,470Fees | 0.606%Above | 315 | |
33 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $3,986Fees | 0.692%Above | 71 | |
34 | Waterstone Mortgage CorporationIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $4,835Fees | 0.289%Above | 84 | |
35 | NEW DAY FINANCIAL, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Sound | $3,964Fees | 1.201%Above | 90 | |
36 | Luminate Home Loans, Inc.Independent Mortgage Company | Sound | Mediocre | Strong | Strong | Sound | $2,354Fees | 0.834%Above | 77 |
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.