Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | PARK SQUARE HOME MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Exceptional | Strong | Exceptional | Strong | $2,257Fees | 0.680%Below | 52 | |
2 | FBC MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Strong | $3,106Fees | 0.136%Above | 195 | |
3 | TRAILBLAZER MORTGAGE L.L.C.Independent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Strong | $2,326Fees | 1.245%Below | 104 | |
4 | First Heritage Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Strong | $1,585Fees | 0.651%Below | 94 | |
5 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,560Fees | 0.293%Above | 1,543 | |
6 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,254Fees | 0.872%Below | 268 | |
7 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,495Fees | 0.267%Above | 254 | |
8 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,992Fees | 0.445%Below | 478 | |
9 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $1,521Fees | 0.200%Above | 132 | |
10 | SouthState Bank, National AssociationBank | Exceptional | Strong | Strong | Strong | Strong | $3,233Fees | 0.166%Above | 124 | |
11 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,457Fees | 0.313%Above | 771 | |
12 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,805Fees | 0.366%Below | 251 | |
13 | Plains Commerce BankBank | Strong | Sound | Exceptional | Strong | Strong | $3,126Fees | 0.413%Above | 229 | |
14 | RMC HOME MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,358Fees | 0.220%Below | 111 | |
15 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $3,573Fees | 0.327%Above | 80 | |
16 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $7,401Fees | 0.076%Below | 64 | |
17 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $2,827Fees | 0.346%Above | 159 | |
18 | THE MORTGAGE FIRM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,554Fees | 0.508%Above | 95 | |
19 | COASTAL LOANS, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,889Fees | 0.383%Below | 77 | |
20 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,835Fees | 0.535%Above | 67 | |
21 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,371Fees | 0.322%Above | 65 | |
22 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,895Fees | 0.310%Above | 34 | |
23 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $3,427Fees | 0.399%Above | 32 | |
24 | GARDNER FINANCIAL SERVICES, LTD.Independent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $4,156Fees | 0.595%Above | 302 | |
25 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,985Fees | 0.266%Below | 151 | |
26 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,561Fees | 0.237%Below | 150 | |
27 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,098Fees | 0.580%Above | 108 | |
28 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,427Fees | 0.453%Above | 101 | |
29 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,802Fees | 0.591%Above | 99 | |
30 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,013Fees | 0.391%Above | 93 | |
31 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,543Fees | 0.589%Above | 90 | |
32 | STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,339Fees | 0.631%Above | 89 | |
33 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,717Fees | 0.047%Above | 73 | |
34 | American Liberty Mortgage, IncorporatedIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $4,304Fees | 0.585%Above | 36 | |
35 | Regions BankBank | Strong | Sound | Exceptional | Sound | Sound | $2,089Fees | 0.279%Above | 34 | |
36 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,449Fees | 0.324%Above | 301 | |
37 | EVERETT FINANCIAL, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,146Fees | 0.894%Above | 96 | |
38 | Waterstone Mortgage CorporationIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $5,099Fees | 0.597%Above | 79 | |
39 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,433Fees | 0.859%Above | 53 | |
40 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,338Fees | 0.317%Above | 37 | |
41 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,032Fees | 0.570%Above | 33 | |
42 | OCMBC, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,961Fees | 1.056%Above | 33 | |
43 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Sound | Exceptional | $5,565Fees | 0.807%Above | 318 | |
44 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,326Fees | 0.332%Above | 71 | |
45 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $5,498Fees | 0.629%Above | 38 | |
46 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $5,933Fees | 0.055%Above | 36 | |
47 | Click n' Close, Inc.Independent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $7,897Fees | 1.827%Above | 49 | |
48 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $5,055Fees | 0.873%Above | 32 |
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.