Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | FBC MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Exceptional | Exceptional | Exceptional | Strong | $3,106Fees | 0.136%Above | 195 | |
2 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $3,560Fees | 0.293%Above | 1,543 | |
3 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $3,254Fees | 0.872%Below | 268 | |
4 | TRAILBLAZER MORTGAGE L.L.C.Independent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Strong | $2,326Fees | 1.245%Below | 104 | |
5 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $948Fees | 0.506%Below | 80 | |
6 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,495Fees | 0.267%Above | 254 | |
7 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $4,985Fees | 0.266%Below | 151 | |
8 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,521Fees | 0.200%Above | 132 | |
9 | PARK SQUARE HOME MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Exceptional | Sound | Strong | Strong | $2,257Fees | 0.680%Below | 52 | |
10 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,992Fees | 0.445%Below | 478 | |
11 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $4,561Fees | 0.237%Below | 150 | |
12 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $4,098Fees | 0.580%Above | 108 | |
13 | First Heritage Mortgage, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,585Fees | 0.651%Below | 94 | |
14 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $3,338Fees | 0.317%Above | 37 | |
15 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,457Fees | 0.313%Above | 771 | |
16 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,805Fees | 0.366%Below | 251 | |
17 | Plains Commerce BankBank | Strong | Sound | Exceptional | Strong | Strong | $3,126Fees | 0.413%Above | 229 | |
18 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,827Fees | 0.346%Above | 159 | |
19 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $4,802Fees | 0.591%Above | 99 | |
20 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $3,573Fees | 0.327%Above | 80 | |
21 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,449Fees | 0.324%Above | 301 | |
22 | RMC HOME MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $3,358Fees | 0.220%Below | 111 | |
23 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,835Fees | 0.535%Above | 67 | |
24 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,014Fees | 0.285%Above | 181 | |
25 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,427Fees | 0.453%Above | 101 | |
26 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,013Fees | 0.391%Above | 93 | |
27 | STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,339Fees | 0.631%Above | 89 | |
28 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,717Fees | 0.047%Above | 73 | |
29 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,326Fees | 0.332%Above | 71 | |
30 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,371Fees | 0.322%Above | 65 | |
31 | GARDNER FINANCIAL SERVICES, LTD.Independent Mortgage Company | Strong | Mediocre | Strong | Exceptional | Exceptional | $4,156Fees | 0.595%Above | 302 | |
32 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $3,543Fees | 0.589%Above | 90 | |
33 | COASTAL LOANS, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $4,889Fees | 0.383%Below | 77 | |
34 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Sound | Exceptional | $5,565Fees | 0.807%Above | 318 | |
35 | EVERETT FINANCIAL, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,146Fees | 0.894%Above | 96 | |
36 | Waterstone Mortgage CorporationIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $5,099Fees | 0.597%Above | 79 | |
37 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $5,498Fees | 0.629%Above | 38 | |
38 | THE MORTGAGE FIRM, INC.Independent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $3,554Fees | 0.508%Above | 95 | |
39 | NEW DAY FINANCIAL, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Sound | $4,976Fees | 0.802%Above | 31 |
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.