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, LLC Independent Mortgage CompanyWholesale | Exceptional | Sound* | Exceptional | Strong | Exceptional | $2,733Fees | 0.322%Above | 3,178 | |
2 | GUARANTEED RATE, INC. Independent Mortgage CompanyDirect | Strong | Strong | Exceptional | Strong | Exceptional | $1,712Fees | 0.120%Above | 3,777 | |
3 | ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Sound* | Exceptional | Strong | Exceptional | $4,126Fees | 0.237%Above | 3,529 | |
4 | SALEM FIVE MORTGAGE COMPANY, LLC Independent Mortgage CompanyDirect | Strong | Sound | Exceptional | Strong | Exceptional | $1,843Fees | 0.044%Above | 1,047 | |
5 | CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,461Fees | 0.345%Above | 2,791 | |
6 | MOVEMENT MORTGAGE, LLC Independent Mortgage CompanyDirect | Strong | Sound | Exceptional | Strong | Exceptional | $2,597Fees | 0.237%Above | 1,614 | |
7 | PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Sound* | Exceptional | Strong | Strong | $1,422Fees | 0.043%Above | 395 | |
8 | CMG MORTGAGE, INC. Independent Mortgage CompanyDirect | Strong | Sound | Exceptional | Strong | Exceptional | $2,884Fees | 0.377%Above | 1,381 | |
9 | LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Sound* | Exceptional | Sound | Strong | $2,625Fees | 0.352%Above | 970 | |
10 | BAYCOAST MORTGAGE COMPANY, LLC Independent Mortgage CompanyDirect | Strong | Sound | Strong | Strong | Exceptional | $1,130Fees | 0.027%Below | 516 | |
11 | GUILD MORTGAGE COMPANY LLC Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,766Fees | 0.271%Above | 1,840 | |
12 | GUARANTEED RATE AFFINITY, LLC Independent Mortgage CompanyDirect | Strong | Sound | Exceptional | Sound | Strong | $2,581Fees | 0.195%Above | 589 | |
13 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,697Fees | 0.314%Above | 1,810 | |
14 | PRIMELENDING, A PLAINSCAPITAL COMPANY Independent Mortgage CompanyDirect | Strong | Sound | Exceptional | Strong | Strong | $3,337Fees | 0.473%Above | 212 | |
15 | TOTAL MORTGAGE SERVICES, LLC Independent Mortgage CompanyDirect | Strong | Acceptable | Strong | Sound | Exceptional | $4,452Fees | 0.551%Above | 1,064 | |
16 | HARBORONE MORTGAGE, LLC Independent Mortgage CompanyDirect | Strong | Sound | Strong | Sound | Exceptional | $2,139Fees | 0.111%Above | 701 | |
17 | AMERANT MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Sound* | Strong | Strong | Strong | $1,706Fees | 0.209%Above | 317 | |
18 | RADIUS FINANCIAL GROUP INC. Independent Mortgage CompanyDirect | Strong | Sound | Strong | Sound | Exceptional | $3,075Fees | 0.499%Above | 570 | |
19 | NEW AMERICAN FUNDING, LLC Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Sound | Strong | $2,411Fees | 0.512%Above | 682 | |
20 | EMBRACE HOME LOANS, INC. Independent Mortgage CompanyDirect | Strong | Acceptable | Strong | Strong | Strong | $2,425Fees | 0.282%Above | 188 | |
21 | WASHINGTON TRUST MORTGAGE COMPANY LLC Independent Mortgage CompanyDirect | Strong | Acceptable | Strong | Sound | Strong | $1,569Fees | 0.134%Above | 338 | |
22 | MUTUAL OF OMAHA MORTGAGE, INC. Independent Mortgage CompanyDirect | Sound | Strong | Sound | Acceptable | Strong | $1,250Fees | 0.076%Below | 345 | |
23 | BAY EQUITY LLC Independent Mortgage CompanyDirect | Sound | Acceptable | Strong | Sound | Strong | $1,687Fees | 0.069%Above | 244 | |
24 | T2 FINANCIAL LLC Independent Mortgage CompanyDirect | Sound | Acceptable | Strong | Sound | Strong | $789Fees | 0.299%Above | 151 | |
25 | EMM LOANS LLC Independent Mortgage CompanyDirect & Wholesale | Sound | Acceptable* | Sound | Acceptable | Strong | $2,168Fees | 0.488%Above | 393 |
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.