Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | MEGASTAR FINANCIAL CORP.Independent Mortgage Company | Exceptional | Exceptional | Strong | Strong | $6,190Credit | 0.364%Above | 121 | |
2 | COMMUNITY MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Strong | Exceptional | $1,629Fees | 0.105%Above | 581 | |
3 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $2,363Fees | 0.316%Above | 1,417 | |
4 | FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $1,922Fees | 0.366%Above | 1,322 | |
5 | PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company | Strong | Exceptional | Sound | Sound | $1,294Fees | 0.038%Below | 92 | |
6 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | $1,467Fees | 0.352%Above | 248 | |
7 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | $2,393Fees | 0.209%Above | 152 | |
8 | JLB CORPORATIONIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | $4,650Fees | 0.265%Above | 145 | |
9 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $2,094Fees | 0.340%Above | 1,933 | |
10 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,677Fees | 0.345%Above | 1,933 | |
11 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $2,248Fees | 0.222%Above | 1,007 | |
12 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Strong | $1,434Fees | 0.249%Above | 292 | |
13 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $1,728Fees | 0.014%Below | 270 | |
14 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $3,472Fees | 0.369%Above | 199 | |
15 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | $1,944Fees | 0.292%Above | 153 | |
16 | DELMAR FINANCIAL COMPANYIndependent Mortgage Company | Strong | Sound | Strong | Strong | $1,016Fees | 0.298%Above | 76 | |
17 | LENDLO MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | $2,427Fees | 0.586%Above | 60 | |
18 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $1,896Fees | 0.335%Above | 694 | |
19 | LEADERONE FINANCIAL CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $2,976Fees | 0.530%Above | 622 | |
20 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,226Fees | 0.415%Above | 579 | |
21 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Sound | Strong | $1,487Fees | 0.121%Above | 166 | |
22 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,239Fees | 0.430%Above | 162 | |
23 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,598Fees | 0.675%Above | 156 | |
24 | Midwest Mortgage Associates CorporationIndependent Mortgage Company | Strong | Sound | Sound | Strong | $1,608Fees | 0.368%Above | 102 | |
25 | GoodLeap, LLCIndependent Mortgage Company | Strong | Sound | Sound | Strong | $2,955Fees | 0.332%Below | 90 | |
26 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | $2,717Fees | 0.283%Above | 61 | |
27 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $1,766Fees | 0.321%Above | 525 | |
28 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,663Fees | 0.375%Above | 437 | |
29 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $4,032Fees | 0.387%Above | 237 | |
30 | SUN WEST MORTGAGE COMPANY, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,530Fees | 0.421%Above | 90 | |
31 | American Mortgage Bank, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,545Fees | 0.546%Above | 76 | |
32 | DAS Acquisition Company, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | $2,326Fees | 0.674%Above | 75 | |
33 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Sound | $2,417Fees | 0.531%Above | 65 | |
34 | SUMMIT FUNDING, INC.Independent Mortgage Company | Sound | Mediocre | Exceptional | Strong | $2,761Fees | 0.526%Above | 349 | |
35 | ENDEAVOR CAPITAL, LLC.Independent Mortgage Company | Sound | Acceptable | Sound | Strong | $1,826Fees | 0.261%Above | 222 | |
36 | NEWREZ LLCIndependent Mortgage Company | Sound | Acceptable | Sound | Strong | $2,179Fees | 0.379%Above | 195 | |
37 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Acceptable | Sound | Strong | $2,955Fees | 0.696%Above | 165 | |
38 | HALLMARK HOME MORTGAGE, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | $2,839Fees | 0.715%Above | 144 | |
39 | EVERETT FINANCIAL, INC.Independent Mortgage Company | Sound | Mediocre | Exceptional | Strong | $3,034Fees | 0.790%Above | 136 | |
40 | GENEVA FINANCIAL, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | $2,741Fees | 0.508%Above | 89 | |
41 | Equity Prime Mortgage LLCIndependent Mortgage Company | Sound | Acceptable | Strong | Sound | $3,163Fees | 1.098%Above | 82 | |
42 | Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company | Sound | Acceptable | Strong | Sound | $3,119Fees | 0.382%Above | 74 | |
43 | Synergy One Lending, Inc.Independent Mortgage Company | Sound | Acceptable | Strong | Sound | $4,021Fees | 0.579%Above | 66 | |
44 | ZILLOW HOME LOANS, LLCIndependent Mortgage Company | Sound | Acceptable | Strong | Sound | $2,853Fees | 0.523%Above | 62 | |
45 | Waterstone Mortgage CorporationIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | $3,407Fees | 0.383%Above | 233 | |
46 | Luminate Home Loans, Inc.Independent Mortgage Company | Sound | Mediocre | Strong | Strong | $2,869Fees | 0.803%Above | 93 | |
47 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Sound | Acceptable | Sound | Sound | $4,856Fees | 0.399%Above | 76 | |
48 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | $3,075Fees | 0.675%Above | 67 | |
49 | Click n' Close, Inc.Independent Mortgage Company | Sound | Mediocre | Sound | Strong | $5,844Fees | 1.769%Above | 237 | |
50 | PREMIER MORTGAGE RESOURCES, L.L.C.Independent Mortgage Company | Sound | Mediocre | Strong | Sound | $2,899Fees | 0.181%Above | 71 |
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.