Safe Rate Rankings
Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,922Fees | 0.366%Above | 1,322 | |
2 | COMMUNITY MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Strong | Strong | Exceptional | $1,629Fees | 0.105%Above | 581 | |
3 | MEGASTAR FINANCIAL CORP.Independent Mortgage Company | Exceptional | Exceptional | Strong | Sound | Strong | $6,190Credit | 0.364%Above | 121 | |
4 | PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company | Exceptional | Exceptional | Exceptional | Sound | Sound | $1,294Fees | 0.038%Below | 92 | |
5 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,677Fees | 0.345%Above | 1,933 | |
6 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,363Fees | 0.316%Above | 1,417 | |
7 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,467Fees | 0.352%Above | 248 | |
8 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,472Fees | 0.369%Above | 199 | |
9 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Strong | Strong | Sound | Strong | $1,487Fees | 0.121%Above | 166 | |
10 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,393Fees | 0.209%Above | 152 | |
11 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,094Fees | 0.340%Above | 1,933 | |
12 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,248Fees | 0.222%Above | 1,007 | |
13 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,896Fees | 0.335%Above | 694 | |
14 | LEADERONE FINANCIAL CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,976Fees | 0.530%Above | 622 | |
15 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $1,728Fees | 0.014%Below | 270 | |
16 | DELMAR FINANCIAL COMPANYIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $1,016Fees | 0.298%Above | 76 | |
17 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,717Fees | 0.283%Above | 61 | |
18 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,226Fees | 0.415%Above | 579 | |
19 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,663Fees | 0.375%Above | 437 | |
20 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $1,434Fees | 0.249%Above | 292 | |
21 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,032Fees | 0.387%Above | 237 | |
22 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,239Fees | 0.430%Above | 162 | |
23 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,598Fees | 0.675%Above | 156 | |
24 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,944Fees | 0.292%Above | 153 | |
25 | GoodLeap, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $2,955Fees | 0.332%Below | 90 | |
26 | NEWREZ LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $2,179Fees | 0.379%Above | 195 | |
27 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $2,955Fees | 0.696%Above | 165 | |
28 | Midwest Mortgage Associates CorporationIndependent Mortgage Company | Strong | Sound | Sound | Sound | Strong | $1,608Fees | 0.368%Above | 102 | |
29 | DAS Acquisition Company, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,326Fees | 0.674%Above | 75 | |
30 | Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,119Fees | 0.382%Above | 74 | |
31 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,417Fees | 0.531%Above | 65 | |
32 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $1,766Fees | 0.321%Above | 525 | |
33 | SUMMIT FUNDING, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $2,761Fees | 0.526%Above | 349 | |
34 | Waterstone Mortgage CorporationIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,407Fees | 0.383%Above | 233 | |
35 | ENDEAVOR CAPITAL, LLC.Independent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $1,826Fees | 0.261%Above | 222 | |
36 | HALLMARK HOME MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $2,839Fees | 0.715%Above | 144 | |
37 | EVERETT FINANCIAL, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,034Fees | 0.790%Above | 136 | |
38 | Luminate Home Loans, Inc.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $2,869Fees | 0.803%Above | 93 | |
39 | SUN WEST MORTGAGE COMPANY, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $2,530Fees | 0.421%Above | 90 | |
40 | American Mortgage Bank, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $2,545Fees | 0.546%Above | 76 | |
41 | Synergy One Lending, Inc.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Sound | $4,021Fees | 0.579%Above | 66 | |
42 | JLB CORPORATIONIndependent Mortgage Company | Sound | Acceptable | Sound | Sound | Strong | $4,650Fees | 0.265%Above | 145 | |
43 | GENEVA FINANCIAL, LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $2,741Fees | 0.508%Above | 89 | |
44 | PREMIER MORTGAGE RESOURCES, L.L.C.Independent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $2,899Fees | 0.181%Above | 71 | |
45 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $3,075Fees | 0.675%Above | 67 | |
46 | ZILLOW HOME LOANS, LLCIndependent Mortgage Company | Sound | Acceptable | Strong | Sound | Sound | $2,853Fees | 0.523%Above | 62 | |
47 | LENDLO MORTGAGE, LLCIndependent Mortgage Company | Sound | Acceptable | Strong | Sound | Sound | $2,427Fees | 0.586%Above | 60 | |
48 | Click n' Close, Inc.Independent Mortgage Company | Sound | Mediocre | Strong | Sound | Strong | $5,844Fees | 1.769%Above | 237 | |
49 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Sound | Acceptable | Strong | Acceptable | Sound | $4,856Fees | 0.399%Above | 76 | |
50 | AMERISAVE MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Strong | Acceptable | Sound | $3,834Fees | 0.424%Above | 70 |
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.