Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | BAYCOAST MORTGAGE COMPANY, LLC Independent Mortgage CompanyDirect | Strong | Strong | Strong | Exceptional | $1,130Fees | 0.027%Below | 516 | |
2 | UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale | Strong | Sound* | Exceptional | Exceptional | $2,733Fees | 0.322%Above | 3,178 | |
3 | HOMESTEAD FUNDING CORP. Independent Mortgage CompanyDirect | Strong | Strong | Exceptional | Strong | $2,379Fees | 0.244%Above | 131 | |
4 | ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Acceptable* | Exceptional | Exceptional | $4,126Fees | 0.237%Above | 3,529 | |
5 | HARBORONE MORTGAGE, LLC Independent Mortgage CompanyDirect | Strong | Sound | Strong | Exceptional | $2,139Fees | 0.111%Above | 701 | |
6 | MSA MORTGAGE, LLC Independent Mortgage CompanyDirect | Strong | — | Strong | Exceptional | $1,445Fees | 0.398%Below | 522 | |
7 | GUARANTEED RATE, INC. Independent Mortgage CompanyDirect | Strong | Sound | Strong | Exceptional | $1,712Fees | 0.120%Above | 3,777 | |
8 | SALEM FIVE MORTGAGE COMPANY, LLC Independent Mortgage CompanyDirect | Strong | Acceptable | Strong | Exceptional | $1,843Fees | 0.044%Above | 1,047 | |
9 | LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Sound* | Strong | Strong | $2,625Fees | 0.352%Above | 970 | |
10 | MOVEMENT MORTGAGE, LLC Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Exceptional | $2,597Fees | 0.237%Above | 1,614 | |
11 | CMG MORTGAGE, INC. Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Exceptional | $2,884Fees | 0.377%Above | 1,381 | |
12 | KEYSTONE FUNDING, INC. Independent Mortgage CompanyWholesale | Strong | Sound* | Exceptional | Strong | $1,446Fees | 0.279%Above | 177 | |
13 | GUILD MORTGAGE COMPANY LLC Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Exceptional | $2,766Fees | 0.271%Above | 1,840 | |
14 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Exceptional | $2,697Fees | 0.314%Above | 1,810 | |
15 | FREEDOM MORTGAGE CORPORATION Independent Mortgage CompanyDirect & Wholesale | Strong | Sound* | Strong | Strong | $2,183Fees | 0.200%Above | 525 | |
16 | AMERANT MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Sound* | Strong | Strong | $1,706Fees | 0.209%Above | 317 | |
17 | PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Sound* | Strong | Strong | $1,422Fees | 0.043%Above | 395 | |
18 | CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect | Strong | Acceptable | Strong | Exceptional | $2,461Fees | 0.345%Above | 2,791 | |
19 | TOTAL MORTGAGE SERVICES, LLC Independent Mortgage CompanyDirect | Strong | Mediocre | Exceptional | Exceptional | $4,452Fees | 0.551%Above | 1,064 | |
20 | RADIUS FINANCIAL GROUP INC. Independent Mortgage CompanyDirect | Strong | Acceptable | Strong | Exceptional | $3,075Fees | 0.499%Above | 570 | |
21 | MUTUAL OF OMAHA MORTGAGE, INC. Independent Mortgage CompanyDirect | Strong | Sound | Sound | Strong | $1,250Fees | 0.076%Below | 345 | |
22 | NORTHPOINT MORTGAGE, INC. Independent Mortgage CompanyDirect | Strong | Acceptable | Strong | Strong | $3,590Fees | 0.343%Above | 307 | |
23 | EMM LOANS LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Acceptable* | Strong | Strong | $2,168Fees | 0.488%Above | 393 | |
24 | NEW FED MORTGAGE, CORP. Independent Mortgage CompanyDirect | Strong | Acceptable | Strong | Strong | $2,523Fees | 0.353%Above | 379 | |
25 | NATIONS DIRECT MORTGAGE, LLC Independent Mortgage CompanyWholesale | Strong | Acceptable* | Strong | Strong | $593Fees | 0.125%Above | 245 | |
26 | FIRST COMMUNITY MORTGAGE, INC. Independent Mortgage CompanyDirect & Wholesale | Strong | Acceptable* | Exceptional | Strong | $1,102Fees | 0.288%Above | 192 | |
27 | WASHINGTON TRUST MORTGAGE COMPANY LLC Independent Mortgage CompanyDirect | Strong | Sound | Sound | Strong | $1,569Fees | 0.134%Above | 338 | |
28 | WILLIAM RAVEIS MORTGAGE, LLC Independent Mortgage CompanyDirect | Strong | Sound | Strong | Strong | $2,144Fees | 0.248%Above | 181 | |
29 | Mortgage Research Center, LLC Independent Mortgage CompanyDirect | Sound | Acceptable | Strong | Strong | $2,269Fees | 0.277%Above | 476 | |
30 | BAY EQUITY LLC Independent Mortgage CompanyDirect | Sound | Sound | Strong | Strong | $1,687Fees | 0.069%Above | 244 | |
31 | NFM, INC. Independent Mortgage CompanyDirect | Sound | Acceptable | Exceptional | Strong | $4,191Fees | 0.598%Above | 209 | |
32 | T2 FINANCIAL LLC Independent Mortgage CompanyDirect | Sound | Acceptable | Exceptional | Strong | $789Fees | 0.299%Above | 151 | |
33 | MORTGAGE EQUITY PARTNERS LLC Independent Mortgage CompanyDirect | Sound | Acceptable | Strong | Strong | $3,535Fees | 0.451%Above | 403 | |
34 | PRIMELENDING, A PLAINSCAPITAL COMPANY Independent Mortgage CompanyDirect | Sound | Acceptable | Exceptional | Strong | $3,337Fees | 0.473%Above | 212 | |
35 | NORWICH COMMERCIAL GROUP, INC. Independent Mortgage CompanyDirect & Wholesale | Sound | Sound* | Strong | Strong | $2,345Fees | 0.408%Above | 171 | |
36 | Sierra Pacific Mortgage Company, Inc. Independent Mortgage CompanyDirect & Wholesale | Sound | Acceptable* | Strong | Strong | $3,390Fees | 0.267%Above | 132 | |
37 | GUARANTEED RATE AFFINITY, LLC Independent Mortgage CompanyDirect | Sound | Acceptable | Strong | Strong | $2,581Fees | 0.195%Above | 589 | |
38 | EMBRACE HOME LOANS, INC. Independent Mortgage CompanyDirect | Sound | Acceptable | Strong | Strong | $2,425Fees | 0.282%Above | 188 | |
39 | FIRST HOME MORTGAGE CORPORATION Independent Mortgage CompanyDirect | Sound | Mediocre | Exceptional | Strong | $5,640Fees | 0.430%Above | 183 | |
40 | NEWREZ LLC Independent Mortgage CompanyDirect & Wholesale | Sound | Acceptable* | Sound | Strong | $2,089Fees | 0.394%Above | 525 | |
41 | NATIONSTAR MORTGAGE LLC Independent Mortgage CompanyDirect | Sound | Acceptable | Strong | Strong | $3,790Fees | 0.305%Above | 389 | |
42 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC Independent Mortgage CompanyDirect | Sound | Mediocre | Strong | Strong | $4,017Fees | 0.571%Above | 286 | |
43 | Paramount Residential Mortgage Group, Inc. Independent Mortgage CompanyDirect & Wholesale | Sound | Acceptable* | Strong | Strong | $2,662Fees | 0.585%Above | 178 | |
44 | AMERICAN FINANCIAL NETWORK, INC. Independent Mortgage CompanyDirect & Wholesale | Sound | Acceptable* | Strong | Strong | $189Credit | 0.462%Above | 138 | |
45 | NEW AMERICAN FUNDING, LLC Independent Mortgage CompanyDirect | Sound | Acceptable | Sound | Strong | $2,411Fees | 0.512%Above | 682 | |
46 | DREW MORTGAGE ASSOCIATES, INC. Independent Mortgage CompanyDirect | Sound | Acceptable | Strong | Strong | $2,999Fees | 0.422%Above | 157 | |
47 | OCMBC, INC. Independent Mortgage CompanyWholesale | Sound | Acceptable* | Strong | Strong | $4,185Fees | 0.682%Above | 170 | |
48 | ENVOY MORTGAGE, LTD Independent Mortgage CompanyDirect | Sound | Acceptable | Sound | Strong | $2,574Fees | 0.392%Above | 154 | |
49 | AMERISAVE MORTGAGE CORPORATION Independent Mortgage CompanyDirect | Acceptable | Mediocre | Acceptable | Strong | $4,434Fees | 0.456%Above | 121 |
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.