Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,896Fees | 0.335%Above | 694 | |
2 | COMMUNITY MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,629Fees | 0.105%Above | 581 | |
3 | MEGASTAR FINANCIAL CORP.Independent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Strong | $6,190Credit | 0.364%Above | 121 | |
4 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,363Fees | 0.316%Above | 1,417 | |
5 | FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,922Fees | 0.366%Above | 1,322 | |
6 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,434Fees | 0.249%Above | 292 | |
7 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,467Fees | 0.352%Above | 248 | |
8 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $1,728Fees | 0.014%Below | 270 | |
9 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,393Fees | 0.209%Above | 152 | |
10 | GoodLeap, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $2,955Fees | 0.332%Below | 90 | |
11 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,094Fees | 0.340%Above | 1,933 | |
12 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,677Fees | 0.345%Above | 1,933 | |
13 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,248Fees | 0.222%Above | 1,007 | |
14 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,472Fees | 0.369%Above | 199 | |
15 | JLB CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | Strong | $4,650Fees | 0.265%Above | 145 | |
16 | LENDLO MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | Sound | $2,427Fees | 0.586%Above | 60 | |
17 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $2,179Fees | 0.379%Above | 195 | |
18 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,239Fees | 0.430%Above | 162 | |
19 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,598Fees | 0.675%Above | 156 | |
20 | DELMAR FINANCIAL COMPANYIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $1,016Fees | 0.298%Above | 76 | |
21 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,226Fees | 0.415%Above | 579 | |
22 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,944Fees | 0.292%Above | 153 | |
23 | Midwest Mortgage Associates CorporationIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $1,608Fees | 0.368%Above | 102 | |
24 | SUN WEST MORTGAGE COMPANY, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,530Fees | 0.421%Above | 90 | |
25 | LEADERONE FINANCIAL CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $2,976Fees | 0.530%Above | 622 | |
26 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $1,766Fees | 0.321%Above | 525 | |
27 | SUMMIT FUNDING, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $2,761Fees | 0.526%Above | 349 | |
28 | Waterstone Mortgage CorporationIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $3,407Fees | 0.383%Above | 233 | |
29 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $1,487Fees | 0.121%Above | 166 | |
30 | HALLMARK HOME MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $2,839Fees | 0.715%Above | 144 | |
31 | EVERETT FINANCIAL, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $3,034Fees | 0.790%Above | 136 | |
32 | GENEVA FINANCIAL, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $2,741Fees | 0.508%Above | 89 | |
33 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,163Fees | 1.098%Above | 82 | |
34 | American Mortgage Bank, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $2,545Fees | 0.546%Above | 76 | |
35 | Synergy One Lending, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $4,021Fees | 0.579%Above | 66 | |
36 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,417Fees | 0.531%Above | 65 | |
37 | ZILLOW HOME LOANS, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,853Fees | 0.523%Above | 62 | |
38 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,717Fees | 0.283%Above | 61 | |
39 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $2,663Fees | 0.375%Above | 437 | |
40 | Click n' Close, Inc.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $5,844Fees | 1.769%Above | 237 | |
41 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,032Fees | 0.387%Above | 237 | |
42 | ENDEAVOR CAPITAL, LLC.Independent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $1,826Fees | 0.261%Above | 222 | |
43 | Luminate Home Loans, Inc.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $2,869Fees | 0.803%Above | 93 | |
44 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $4,856Fees | 0.399%Above | 76 | |
45 | DAS Acquisition Company, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Sound | $2,326Fees | 0.674%Above | 75 | |
46 | AMERISAVE MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $3,834Fees | 0.424%Above | 70 | |
47 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Sound | $3,075Fees | 0.675%Above | 67 | |
48 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $2,955Fees | 0.696%Above | 165 | |
49 | PREMIER MORTGAGE RESOURCES, L.L.C.Independent Mortgage Company | Sound | Mediocre | Exceptional | 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.