Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,511Fees | 0.096%Above | 884 | |
2 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,663Fees | 0.256%Above | 2,931 | |
3 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,663Fees | 0.220%Above | 1,835 | |
4 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Exceptional | $3,280Fees | 0.260%Above | 578 | |
5 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Strong | Strong | Sound | Strong | $3,128Fees | 0.161%Above | 218 | |
6 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,849Fees | 0.297%Above | 112 | |
7 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,161Fees | 0.272%Above | 1,598 | |
8 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,937Fees | 0.449%Above | 604 | |
9 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,097Fees | 0.628%Above | 493 | |
10 | Nations Lending CorporationIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,621Fees | 0.270%Above | 142 | |
11 | General Mortgage Capital CorporationIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $3,716Fees | 0.337%Above | 73 | |
12 | V.I.P. MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,950Fees | 0.465%Above | 69 | |
13 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Exceptional | $4,664Fees | 0.424%Above | 672 | |
14 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $2,024Fees | 0.712%Above | 490 | |
15 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,271Fees | 0.462%Above | 431 | |
16 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,311Fees | 0.526%Above | 410 | |
17 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $2,962Fees | 0.208%Above | 410 | |
18 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,434Fees | 0.674%Above | 390 | |
19 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,113Fees | 0.345%Above | 284 | |
20 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,631Fees | 0.519%Above | 236 | |
21 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,883Fees | 0.482%Above | 191 | |
22 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,331Fees | 0.364%Above | 172 | |
23 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,735Fees | 0.498%Above | 171 | |
24 | NOVA FINANCIAL & INVESTMENT CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,638Fees | 0.337%Above | 146 | |
25 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,905Fees | 0.225%Above | 142 | |
26 | ALLIED MORTGAGE GROUP, INC.Independent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $5,137Fees | 0.472%Above | 122 | |
27 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,090Fees | 0.543%Above | 113 | |
28 | GoodLeap, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $5,491Fees | 0.201%Below | 110 | |
29 | EVERGREEN MONEYSOURCE MORTGAGE COMPANYIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,980Fees | 0.415%Above | 326 | |
30 | NEWREZ LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $2,660Fees | 0.414%Above | 134 | |
31 | CANOPY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $4,844Fees | 0.428%Above | 122 | |
32 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $4,408Fees | 0.461%Above | 374 | |
33 | FBC MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $2,693Fees | 0.369%Above | 197 | |
34 | Luminate Home Loans, Inc.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $5,238Fees | 0.605%Above | 174 | |
35 | ZILLOW HOME LOANS, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $3,037Fees | 0.382%Above | 154 | |
36 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $5,747Fees | 0.689%Above | 99 | |
37 | CLM MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $5,624Fees | 0.351%Above | 78 | |
38 | MORIA DEVELOPMENT, INC.Independent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $4,828Fees | 0.984%Above | 185 | |
39 | AXIA FINANCIAL, LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $5,296Fees | 0.432%Above | 128 | |
40 | NEW WAVE LENDING GROUP INCIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $4,197Fees | 0.727%Above | 112 | |
41 | GENEVA FINANCIAL, LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $4,586Fees | 0.802%Above | 96 | |
42 | BAY-VALLEY MORTGAGE GROUPIndependent Mortgage Company | Sound | Acceptable | Sound | Sound | Strong | $5,511Fees | 0.502%Above | 74 | |
43 | SECURITYNATIONAL MORTGAGE COMPANYIndependent Mortgage Company | Sound | Mediocre | Strong | Sound | Strong | $4,613Fees | 0.670%Above | 289 | |
44 | OCMBC, INC.Independent Mortgage Company | Sound | Mediocre | Strong | Sound | Strong | $4,127Fees | 0.959%Above | 179 | |
45 | RMS & ASSOCIATESIndependent Mortgage Company | Sound | Mediocre | Acceptable | Strong | Exceptional | $4,976Fees | 0.705%Above | 140 | |
46 | Citadel Servicing CorporationIndependent Mortgage Company | Sound | Mediocre | Strong | Sound | Strong | $8,398Fees | 1.619%Above | 71 | |
47 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Sound | Acceptable | Strong | Acceptable | Sound | $4,724Fees | 0.527%Above | 68 | |
48 | ML Mortgage Corp.Independent Mortgage Company | Sound | Mediocre | Sound | Sound | Strong | $5,134Fees | 0.754%Above | 87 | |
49 | HIGHTECHLENDING INCIndependent Mortgage Company | Sound | Mediocre | Sound | Sound | Strong | $5,287Fees | 0.480%Above | 68 |
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.