Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale | Strong | Sound* | Exceptional | Exceptional | $1,855Fees | 0.413%Above | 7,352 | |
2 | FLAT BRANCH MORTGAGE, INC. Independent Mortgage CompanyDirect | Strong | Sound | Exceptional | Exceptional | $1,201Fees | 0.447%Above | 1,599 | |
3 | FIRST STATE MORTGAGE SERVICES, LLC Independent Mortgage CompanyDirect | Strong | Sound | Exceptional | Exceptional | $1,493Fees | 0.362%Above | 1,052 | |
4 | ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Acceptable* | Exceptional | Exceptional | $3,394Fees | 0.490%Above | 7,176 | |
5 | LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Sound* | Strong | Exceptional | $2,865Fees | 0.657%Above | 2,802 | |
6 | GUARANTEED RATE, INC. Independent Mortgage CompanyDirect | Strong | Sound | Strong | Exceptional | $2,009Fees | 0.369%Above | 7,686 | |
7 | MLD MORTGAGE INC. Independent Mortgage CompanyDirect | Strong | Sound | Exceptional | Strong | $1,971Fees | 0.443%Above | 526 | |
8 | PROVIDENT FUNDING ASSOCIATES, L.P. Independent Mortgage CompanyWholesale | Strong | Exceptional* | Sound | Strong | $762Fees | 0.019%Above | 338 | |
9 | GMFS LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Sound* | Exceptional | Strong | $1,888Fees | 0.500%Above | 266 | |
10 | A & N MORTGAGE SERVICES, INC. Independent Mortgage CompanyDirect | Strong | Sound | Strong | Exceptional | $1,570Fees | 0.336%Above | 1,149 | |
11 | TOWNE MORTGAGE COMPANY Independent Mortgage CompanyWholesale | Strong | Acceptable* | Strong | Exceptional | $1,510Fees | 0.539%Above | 977 | |
12 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Exceptional | $2,737Fees | 0.680%Above | 3,156 | |
13 | KEY MORTGAGE SERVICES, INC. Independent Mortgage CompanyDirect | Strong | Sound | Strong | Exceptional | $1,739Fees | 0.348%Above | 1,273 | |
14 | THE LOAN STORE, INC. Independent Mortgage CompanyWholesale | Strong | Acceptable* | Strong | Exceptional | $336Fees | 0.307%Above | 963 | |
15 | FREEDOM MORTGAGE CORPORATION Independent Mortgage CompanyDirect & Wholesale | Strong | Sound* | Strong | Strong | $2,040Fees | 0.663%Above | 815 | |
16 | DELMAR FINANCIAL COMPANY Independent Mortgage CompanyDirect | Strong | Sound | Strong | Exceptional | $1,519Fees | 0.434%Above | 597 | |
17 | ARK-LA-TEX FINANCIAL SERVICES, LLC. Independent Mortgage CompanyDirect & Wholesale | Strong | Sound* | Exceptional | Strong | $937Fees | 0.633%Above | 354 | |
18 | GUILD MORTGAGE COMPANY LLC Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Exceptional | $2,378Fees | 0.587%Above | 2,081 | |
19 | PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Sound* | Strong | Strong | $1,170Fees | 0.188%Above | 781 | |
20 | PROPER RATE, LLC Independent Mortgage CompanyDirect | Strong | Sound | Sound | Exceptional | $1,656Fees | 0.268%Above | 1,337 | |
21 | COMPASS MORTGAGE, INC. Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Exceptional | $2,500Fees | 0.580%Above | 904 | |
22 | MUTUAL OF OMAHA MORTGAGE, INC. Independent Mortgage CompanyDirect | Strong | Sound | Sound | Strong | $1,661Fees | 0.439%Above | 810 | |
23 | CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect | Strong | Acceptable | Strong | Exceptional | $2,820Fees | 0.594%Above | 4,482 | |
24 | Mortgage Research Center, LLC Independent Mortgage CompanyDirect | Strong | Acceptable | Strong | Exceptional | $1,764Fees | 0.679%Above | 2,244 | |
25 | BAY EQUITY LLC Independent Mortgage CompanyDirect | Strong | Sound | Strong | Exceptional | $2,346Fees | 0.295%Above | 896 | |
26 | COMMUNITY BANC MORTGAGE CORPORATION Independent Mortgage CompanyWholesale | Strong | Strong* | Sound | Strong | $1,042Fees | 0.368%Above | 261 | |
27 | AMERICAN PACIFIC MORTGAGE CORPORATION Independent Mortgage CompanyDirect | Strong | Mediocre | Exceptional | Exceptional | $3,206Fees | 0.684%Above | 2,009 | |
28 | UNION HOME MORTGAGE CORP. Independent Mortgage CompanyDirect & Wholesale | Strong | Acceptable* | Exceptional | Strong | $1,835Fees | 0.590%Above | 980 | |
29 | M/I FINANCIAL, LLC Independent Mortgage CompanyDirect | Strong | Acceptable | Strong | Strong | $3,266Fees | 0.139%Above | 489 | |
30 | RESICENTRAL, LLC Independent Mortgage CompanyWholesale | Strong | Sound* | Sound | Strong | $298Fees | 0.525%Above | 476 | |
31 | POINT MORTGAGE CORPORATION Independent Mortgage CompanyDirect | Strong | Sound | Strong | Strong | $1,541Fees | 0.344%Above | 410 | |
32 | LOWER, LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Acceptable* | Strong | Exceptional | $1,510Fees | 0.608%Above | 1,031 | |
33 | Prosperity Home Mortgage, LLC Independent Mortgage CompanyDirect | Strong | Acceptable | Strong | Strong | $2,281Fees | 0.479%Above | 391 | |
34 | T2 FINANCIAL LLC Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Strong | $1,331Fees | 0.369%Above | 337 | |
35 | MOVEMENT MORTGAGE, LLC Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Strong | $2,088Fees | 0.479%Above | 321 | |
36 | PRIMELENDING, A PLAINSCAPITAL COMPANY Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Strong | $2,004Fees | 0.555%Above | 477 | |
37 | UNITED HOME LOANS, INC. Independent Mortgage CompanyDirect | Strong | Acceptable | Strong | Exceptional | $1,925Fees | 0.399%Above | 435 | |
38 | CMG MORTGAGE, INC. Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Strong | $1,532Fees | 0.398%Above | 315 | |
39 | PLAZA HOME MORTGAGE, INC. Independent Mortgage CompanyWholesale | Sound | Acceptable* | Strong | Strong | $1,553Fees | 0.469%Above | 418 | |
40 | NEWREZ LLC Independent Mortgage CompanyDirect & Wholesale | Sound | Acceptable* | Sound | Exceptional | $2,239Fees | 0.629%Above | 1,112 | |
41 | GUARANTEED RATE AFFINITY, LLC Independent Mortgage CompanyDirect | Sound | Acceptable | Strong | Strong | $1,993Fees | 0.486%Above | 838 | |
42 | DAS Acquisition Company, LLC Independent Mortgage CompanyDirect | Sound | Acceptable | Exceptional | Strong | $1,615Fees | 0.649%Above | 300 | |
43 | NEW AMERICAN FUNDING, LLC Independent Mortgage CompanyDirect | Sound | Acceptable | Sound | Exceptional | $1,989Fees | 0.723%Above | 2,381 | |
44 | NATIONSTAR MORTGAGE LLC Independent Mortgage CompanyDirect | Sound | Acceptable | Strong | Strong | $3,530Fees | 0.493%Above | 693 | |
45 | LEADERONE FINANCIAL CORPORATION Independent Mortgage CompanyDirect | Sound | Acceptable | Strong | Strong | $2,362Fees | 0.706%Above | 447 | |
46 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION Independent Mortgage CompanyDirect & Wholesale | Sound | Acceptable* | Strong | Strong | $1,800Fees | 0.430%Above | 356 | |
47 | AMERICAN PORTFOLIO MORTGAGE CORPORATION Independent Mortgage CompanyDirect | Sound | Acceptable | Strong | Strong | $2,424Fees | 0.627%Above | 346 | |
48 | AMERIHOME MORTGAGE COMPANY, LLC Independent Mortgage CompanyDirect & Wholesale | Sound | Sound* | Sound | Strong | $1,902Fees | 0.602%Above | 319 | |
49 | AMERICAN FINANCIAL NETWORK, INC. Independent Mortgage CompanyDirect & Wholesale | Sound | Acceptable* | Strong | Strong | $2,553Fees | 0.858%Above | 256 | |
50 | ENDEAVOR CAPITAL, LLC. Independent Mortgage CompanyDirect | Sound | Acceptable | Sound | Strong | $2,034Fees | 0.518%Above | 331 |
Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.
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.
⚖️ Licensing & Disclosures
Lender rankings and market statistics are created by Dylan Hall, licensed mortgage loan officer (NMLS #1658740). Safe Rate is a mortgage technology platform; mortgage lending services are provided by PartnerOwn LLC dba Safe Rate Mortgage, a licensed mortgage broker and lender (NMLS #1590949). Safe Rate Mortgage is a lending partner of some of the lenders ranked on this page, and Safe Rate Inc. has software or service customers on this list; however, all rankings are calculated using objective, public Home Mortgage Disclosure Act (HMDA) datasets, completely independent of any corporate partnerships, client relationships, or compensation.