Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,363Fees | 0.316%Above | 1,417 | |
2 | LENDLO MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Exceptional | Exceptional | Exceptional | Sound | $2,427Fees | 0.586%Above | 60 | |
3 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,896Fees | 0.335%Above | 694 | |
4 | COMMUNITY MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,629Fees | 0.105%Above | 581 | |
5 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,393Fees | 0.209%Above | 152 | |
6 | MEGASTAR FINANCIAL CORP.Independent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Strong | $6,190Credit | 0.364%Above | 121 | |
7 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,248Fees | 0.222%Above | 1,007 | |
8 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,434Fees | 0.249%Above | 292 | |
9 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,728Fees | 0.014%Below | 270 | |
10 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,944Fees | 0.292%Above | 153 | |
11 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,467Fees | 0.352%Above | 248 | |
12 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,094Fees | 0.340%Above | 1,933 | |
13 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,677Fees | 0.345%Above | 1,933 | |
14 | FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $1,922Fees | 0.366%Above | 1,322 | |
15 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,472Fees | 0.369%Above | 199 | |
16 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,179Fees | 0.379%Above | 195 | |
17 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,487Fees | 0.121%Above | 166 | |
18 | SUN WEST MORTGAGE COMPANY, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,530Fees | 0.421%Above | 90 | |
19 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,598Fees | 0.675%Above | 156 | |
20 | Midwest Mortgage Associates CorporationIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $1,608Fees | 0.368%Above | 102 | |
21 | American Mortgage Bank, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $2,545Fees | 0.546%Above | 76 | |
22 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,226Fees | 0.415%Above | 579 | |
23 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,766Fees | 0.321%Above | 525 | |
24 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,663Fees | 0.375%Above | 437 | |
25 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,032Fees | 0.387%Above | 237 | |
26 | ENDEAVOR CAPITAL, LLC.Independent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $1,826Fees | 0.261%Above | 222 | |
27 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,239Fees | 0.430%Above | 162 | |
28 | GoodLeap, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $2,955Fees | 0.332%Below | 90 | |
29 | LEADERONE FINANCIAL CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $2,976Fees | 0.530%Above | 622 | |
30 | HALLMARK HOME MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $2,839Fees | 0.715%Above | 144 | |
31 | GENEVA FINANCIAL, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $2,741Fees | 0.508%Above | 89 | |
32 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,717Fees | 0.283%Above | 61 | |
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 | EVERETT FINANCIAL, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,034Fees | 0.790%Above | 136 | |
36 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $3,163Fees | 1.098%Above | 82 | |
37 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $4,856Fees | 0.399%Above | 76 | |
38 | Synergy One Lending, Inc.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Sound | $4,021Fees | 0.579%Above | 66 | |
39 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $2,955Fees | 0.696%Above | 165 | |
40 | PREMIER MORTGAGE RESOURCES, L.L.C.Independent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $2,899Fees | 0.181%Above | 71 | |
41 | AMERISAVE MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Acceptable | Strong | Sound | Sound | $3,834Fees | 0.424%Above | 70 | |
42 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $3,075Fees | 0.675%Above | 67 | |
43 | Click n' Close, Inc.Independent Mortgage Company | Sound | Mediocre | Strong | Sound | Strong | $5,844Fees | 1.769%Above | 237 |
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.