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 | Sound | Exceptional | Exceptional | Exceptional | $2,026Fees | 0.163%Above | 1,644 | |
2 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Exceptional | $1,809Fees | 0.258%Above | 517 | |
3 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,925Fees | 0.059%Above | 274 | |
4 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,471Fees | 0.276%Above | 199 | |
5 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,326Fees | 0.330%Above | 77 | |
6 | Advisors Mortgage Group, L.L.C.Independent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,168Fees | 0.246%Above | 985 | |
7 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,497Fees | 0.202%Above | 592 | |
8 | PINNACLE MORTGAGE, INC.Independent Mortgage Company | Exceptional | Strong | Sound | Exceptional | Strong | $1,042Fees | 0.136%Above | 63 | |
9 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,334Fees | 0.193%Above | 2,121 | |
10 | NJ LENDERS CORP.Independent Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $1,746Fees | 0.021%Above | 502 | |
11 | MLD MORTGAGE INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,460Fees | 0.046%Above | 101 | |
12 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,259Fees | 0.520%Above | 83 | |
13 | NATIONS DIRECT MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,121Fees | 0.187%Above | 72 | |
14 | EMM LOANS LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,958Fees | 0.496%Above | 68 | |
15 | ALLIED MORTGAGE GROUP, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,526Fees | 0.287%Above | 62 | |
16 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,784Fees | 0.095%Above | 731 | |
17 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,580Fees | 0.356%Above | 448 | |
18 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,614Fees | 0.468%Above | 419 | |
19 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $2,086Fees | 0.345%Above | 337 | |
20 | BOND STREET MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $2,582Fees | 0.298%Above | 160 | |
21 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,892Fees | 0.364%Above | 157 | |
22 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,625Fees | 0.399%Above | 139 | |
23 | Nations Lending CorporationIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,043Fees | 0.611%Above | 81 | |
24 | GREENTREE MORTGAGE COMPANY, L.P.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,150Fees | 0.245%Above | 76 | |
25 | FIRST COLONY MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $3,300Fees | 0.382%Above | 60 | |
26 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,092Fees | 0.517%Above | 296 | |
27 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,351Fees | 0.180%Above | 242 | |
28 | EMBRACE HOME LOANS, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,416Fees | 0.328%Above | 181 | |
29 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,239Fees | 0.399%Above | 109 | |
30 | NORWICH COMMERCIAL GROUP, INC.Independent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $3,095Fees | 0.383%Above | 109 | |
31 | MORTGAGE ACCESS CORP.Independent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $2,917Fees | 0.304%Above | 92 | |
32 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,674Fees | 0.380%Above | 88 | |
33 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,058Fees | 0.341%Above | 75 | |
34 | AMERIHOME MORTGAGE COMPANY, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $1,918Fees | 0.253%Above | 64 | |
35 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $4,073Fees | 0.555%Above | 61 | |
36 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,168Fees | 0.283%Above | 56 | |
37 | HOMEBRIDGE FINANCIAL SERVICES, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Sound | $3,486Fees | 0.389%Above | 56 | |
38 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,110Fees | 0.320%Above | 1,433 | |
39 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,301Fees | 0.420%Above | 630 | |
40 | ABSOLUTE HOME MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,217Fees | 0.347%Above | 399 | |
41 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $457Fees | 0.131%Below | 127 | |
42 | AMERISAVE MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $4,106Fees | 0.505%Above | 78 | |
43 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $1,302Fees | 0.136%Above | 64 | |
44 | FM Home Loans, LLCIndependent Mortgage Company | Strong | Acceptable | Sound | Sound | Exceptional | $2,212Fees | 0.304%Above | 229 | |
45 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,570Fees | 0.246%Above | 209 | |
46 | MILLENIUM HOME MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Sound | Strong | Strong | $3,377Fees | 0.001%Below | 96 | |
47 | NATIONWIDE MORTGAGE BANKERS, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $5,352Fees | 0.720%Above | 95 | |
48 | UNITED MORTGAGE CORP.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,343Fees | 0.340%Above | 81 | |
49 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $5,605Fees | 0.838%Above | 63 | |
50 | GREENWAY MORTGAGE FUNDING CORP.Independent Mortgage Company | Sound | Acceptable | Sound | Sound | Strong | $2,930Fees | 0.335%Above | 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.