Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | NJ LENDERS CORP.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,746Fees | 0.021%Above | 502 | |
2 | PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,023Fees | 0.082%Below | 201 | |
3 | AMERICAN FEDERAL MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Exceptional | Strong | Acceptable | Exceptional | $490Credit | 0.218%Below | 204 | |
4 | Advisors Mortgage Group, L.L.C.Independent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,168Fees | 0.246%Above | 985 | |
5 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,497Fees | 0.202%Above | 592 | |
6 | KWIK MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Exceptional | Sound | Sound | Strong | $342Credit | 0.087%Below | 150 | |
7 | PINNACLE MORTGAGE, INC.Independent Mortgage Company | Exceptional | Exceptional | Sound | Sound | Strong | $1,042Fees | 0.136%Above | 63 | |
8 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,334Fees | 0.193%Above | 2,121 | |
9 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,026Fees | 0.163%Above | 1,644 | |
10 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Exceptional | $1,809Fees | 0.258%Above | 517 | |
11 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Strong | Strong | Sound | Strong | $457Fees | 0.131%Below | 127 | |
12 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,239Fees | 0.399%Above | 109 | |
13 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,326Fees | 0.330%Above | 77 | |
14 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,110Fees | 0.320%Above | 1,433 | |
15 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,784Fees | 0.095%Above | 731 | |
16 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,580Fees | 0.356%Above | 448 | |
17 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,614Fees | 0.468%Above | 419 | |
18 | MLD MORTGAGE INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $1,460Fees | 0.046%Above | 101 | |
19 | Nations Lending CorporationIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,043Fees | 0.611%Above | 81 | |
20 | AMERIHOME MORTGAGE COMPANY, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $1,918Fees | 0.253%Above | 64 | |
21 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $1,302Fees | 0.136%Above | 64 | |
22 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,092Fees | 0.517%Above | 296 | |
23 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $1,925Fees | 0.059%Above | 274 | |
24 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,570Fees | 0.246%Above | 209 | |
25 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,471Fees | 0.276%Above | 199 | |
26 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,892Fees | 0.364%Above | 157 | |
27 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,258Fees | 0.314%Above | 140 | |
28 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,625Fees | 0.399%Above | 139 | |
29 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,674Fees | 0.380%Above | 88 | |
30 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,259Fees | 0.520%Above | 83 | |
31 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,058Fees | 0.341%Above | 75 | |
32 | EMM LOANS LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,958Fees | 0.496%Above | 68 | |
33 | ALLIED MORTGAGE GROUP, INC.Independent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $3,526Fees | 0.287%Above | 62 | |
34 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,301Fees | 0.420%Above | 630 | |
35 | ABSOLUTE HOME MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Exceptional | $3,217Fees | 0.347%Above | 399 | |
36 | NEWREZ LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $2,086Fees | 0.345%Above | 337 | |
37 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $2,351Fees | 0.180%Above | 242 | |
38 | FM Home Loans, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Exceptional | $2,212Fees | 0.304%Above | 229 | |
39 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $2,761Fees | 0.487%Above | 137 | |
40 | GREENWAY MORTGAGE FUNDING CORP.Independent Mortgage Company | Strong | Sound | Sound | Sound | Strong | $2,930Fees | 0.335%Above | 96 | |
41 | GREENTREE MORTGAGE COMPANY, L.P.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $2,150Fees | 0.245%Above | 76 | |
42 | NATIONS DIRECT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $1,121Fees | 0.187%Above | 72 | |
43 | FIRST COLONY MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,300Fees | 0.382%Above | 60 | |
44 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,168Fees | 0.283%Above | 56 | |
45 | EMBRACE HOME LOANS, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $2,416Fees | 0.328%Above | 181 | |
46 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $2,259Fees | 0.968%Above | 118 | |
47 | NORWICH COMMERCIAL GROUP, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $3,095Fees | 0.383%Above | 109 | |
48 | MORTGAGE ACCESS CORP.Independent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $2,917Fees | 0.304%Above | 92 | |
49 | BOND STREET MORTGAGE, LLCIndependent Mortgage Company | Sound | Acceptable | Sound | Sound | Strong | $2,582Fees | 0.298%Above | 160 | |
50 | MILLENIUM HOME MORTGAGE, LLCIndependent Mortgage Company | Sound | Acceptable | Sound | Sound | Strong | $3,377Fees | 0.001%Below | 96 |
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.