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 | $2,761Fees | 0.190%Above | 6,340 | |
2 | ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Acceptable* | Exceptional | Exceptional | $3,734Fees | 0.222%Above | 5,129 | |
3 | NMSI, INC. Independent Mortgage CompanyWholesale | Strong | Acceptable* | Exceptional | Exceptional | $2,800Fees | 0.270%Above | 621 | |
4 | AMWEST FUNDING CORP. Independent Mortgage CompanyWholesale | Strong | — | Strong | Exceptional | — | — | 951 | |
5 | LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Sound* | Strong | Strong | $2,956Fees | 0.086%Above | 666 | |
6 | General Mortgage Capital Corporation Independent Mortgage CompanyDirect | Strong | Sound | Strong | Strong | $2,091Fees | 0.047%Above | 165 | |
7 | PROVIDENT FUNDING ASSOCIATES, L.P. Independent Mortgage CompanyWholesale | Strong | Exceptional* | Sound | Strong | $1,288Fees | 0.075%Below | 120 | |
8 | PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Sound* | Strong | Strong | $1,583Fees | 0.124%Above | 546 | |
9 | THE LOAN STORE, INC. Independent Mortgage CompanyWholesale | Strong | Acceptable* | Strong | Strong | $2,281Fees | 0.368%Above | 408 | |
10 | FREEDOM MORTGAGE CORPORATION Independent Mortgage CompanyDirect & Wholesale | Strong | Sound* | Strong | Strong | $2,252Fees | 0.029%Above | 301 | |
11 | FIRST COLONY MORTGAGE CORPORATION Independent Mortgage CompanyDirect & Wholesale | Strong | Sound* | Exceptional | Strong | $2,331Fees | 0.201%Above | 167 | |
12 | ARK-LA-TEX FINANCIAL SERVICES, LLC. Independent Mortgage CompanyDirect & Wholesale | Strong | Sound* | Exceptional | Strong | $2,251Fees | 0.422%Above | 141 | |
13 | CMG MORTGAGE, INC. Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Strong | $2,465Fees | 0.287%Above | 466 | |
14 | MOVEMENT MORTGAGE, LLC Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Strong | $2,463Fees | 0.340%Above | 426 | |
15 | FIDELITY LENDING SOLUTIONS, INC. Independent Mortgage CompanyWholesale | Strong | — | Strong | Strong | $6,258Fees | 0.748%Above | 230 | |
16 | GUARANTEED RATE, INC. Independent Mortgage CompanyDirect | Strong | Sound | Strong | Strong | $1,947Fees | 0.130%Above | 518 | |
17 | NATIONS DIRECT MORTGAGE, LLC Independent Mortgage CompanyWholesale | Strong | Acceptable* | Strong | Strong | $3,062Fees | 0.398%Above | 236 | |
18 | AUGUSTA FINANCIAL, INC. Independent Mortgage CompanyDirect | Strong | Acceptable | Strong | Exceptional | $3,205Fees | 0.238%Above | 292 | |
19 | KIND LENDING, LLC Independent Mortgage CompanyWholesale | Strong | Acceptable* | Strong | Strong | $2,651Fees | 0.272%Above | 288 | |
20 | Sierra Pacific Mortgage Company, Inc. Independent Mortgage CompanyDirect & Wholesale | Strong | Acceptable* | Strong | Strong | $3,394Fees | 0.155%Above | 256 | |
21 | T. J. FINANCIAL, INC. Independent Mortgage CompanyWholesale | Strong | — | Strong | Strong | — | — | 101 | |
22 | OCMBC, INC. Independent Mortgage CompanyWholesale | Strong | Acceptable* | Strong | Exceptional | $3,722Fees | 0.549%Above | 1,671 | |
23 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Strong | $4,234Fees | 0.323%Above | 318 | |
24 | EMET LENDING GROUP, INC. Independent Mortgage CompanyDirect & Wholesale | Sound | Mediocre* | Exceptional | Exceptional | $4,961Fees | 0.967%Above | 685 | |
25 | Paramount Residential Mortgage Group, Inc. Independent Mortgage CompanyDirect & Wholesale | Sound | Acceptable* | Strong | Strong | $3,720Fees | 0.423%Above | 556 | |
26 | GOLDEN EMPIRE MORTGAGE, INC. Independent Mortgage CompanyDirect | Sound | Mediocre | Exceptional | Strong | $3,042Fees | 0.406%Above | 217 | |
27 | AAA CAPITAL INVESTMENT, INC. Independent Mortgage CompanyDirect & Wholesale | Sound | Acceptable* | Strong | Exceptional | $2,464Fees | 0.233%Above | 348 | |
28 | AMERICAN FINANCIAL NETWORK, INC. Independent Mortgage CompanyDirect & Wholesale | Sound | Acceptable* | Strong | Strong | $2,035Fees | 0.411%Above | 338 | |
29 | GUILD MORTGAGE COMPANY LLC Independent Mortgage CompanyDirect | Sound | Acceptable | Exceptional | Strong | $4,619Fees | 0.347%Above | 197 | |
30 | RESICENTRAL, LLC Independent Mortgage CompanyWholesale | Sound | Sound* | Sound | Strong | $1,725Fees | 0.288%Above | 112 | |
31 | NEW WAVE LENDING GROUP INC Independent Mortgage CompanyDirect & Wholesale | Sound | Mediocre* | Strong | Exceptional | $3,720Fees | 0.542%Above | 777 | |
32 | CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect | Sound | Acceptable | Strong | Strong | $3,410Fees | 0.473%Above | 614 | |
33 | AMERICAN PACIFIC MORTGAGE CORPORATION Independent Mortgage CompanyDirect | Sound | Mediocre | Exceptional | Strong | $5,103Fees | 0.517%Above | 238 | |
34 | FIRST STANDARD FINANCIAL CORP. Independent Mortgage CompanyDirect | Sound | Mediocre | Strong | Strong | $4,174Fees | 0.385%Above | 216 | |
35 | PLAZA HOME MORTGAGE, INC. Independent Mortgage CompanyWholesale | Sound | Acceptable* | Strong | Strong | $2,992Fees | 0.445%Above | 124 | |
36 | NEWREZ LLC Independent Mortgage CompanyDirect & Wholesale | Sound | Acceptable* | Sound | Strong | $2,546Fees | 0.347%Above | 355 | |
37 | BAY-VALLEY MORTGAGE GROUP Independent Mortgage CompanyDirect | Sound | Acceptable | Strong | Strong | $4,508Fees | 0.314%Above | 278 | |
38 | NATIONSTAR MORTGAGE LLC Independent Mortgage CompanyDirect | Sound | Acceptable | Strong | Strong | $3,024Fees | 0.066%Above | 223 | |
39 | CAMPOS FINANCIAL CORP. Independent Mortgage CompanyDirect | Sound | Acceptable | Strong | Strong | $4,288Fees | 0.427%Above | 138 | |
40 | Mortgage Research Center, LLC Independent Mortgage CompanyDirect | Sound | Acceptable | Strong | Strong | $2,729Fees | 0.350%Above | 125 | |
41 | Greenbox Loans, Inc. Independent Mortgage CompanyWholesale | Sound | — | Sound | Strong | $9,364Fees | 1.564%Above | 105 | |
42 | NEW AMERICAN FUNDING, LLC Independent Mortgage CompanyDirect | Sound | Acceptable | Sound | Strong | $2,942Fees | 0.439%Above | 670 | |
43 | SUN WEST MORTGAGE COMPANY, INC. Independent Mortgage CompanyDirect & Wholesale | Sound | Acceptable* | Strong | Strong | $4,596Fees | 0.265%Above | 157 | |
44 | STG MORTGAGE INC Independent Mortgage CompanyWholesale | Sound | Sound* | Sound | Strong | $2,233Fees | 0.336%Above | 145 | |
45 | Commerce Home Mortgage, Inc. Independent Mortgage CompanyDirect & Wholesale | Sound | Acceptable* | Strong | Strong | $4,343Fees | 0.722%Above | 215 | |
46 | GUARANTEED RATE AFFINITY, LLC Independent Mortgage CompanyDirect | Sound | Acceptable | Strong | Strong | $2,743Fees | 0.330%Above | 175 | |
47 | HOMEBRIDGE FINANCIAL SERVICES, INC. Independent Mortgage CompanyWholesale | Sound | Acceptable* | Sound | Strong | $2,569Fees | 0.625%Above | 153 | |
48 | ZILLOW HOME LOANS, LLC Independent Mortgage CompanyDirect | Sound | Acceptable | Strong | Strong | $3,255Fees | 0.206%Above | 150 | |
49 | ONY GLO, INC. Independent Mortgage CompanyDirect & Wholesale | Sound | Acceptable* | Sound | Strong | $2,601Fees | 0.151%Above | 136 | |
50 | OriginPoint, LLC Independent Mortgage CompanyDirect | Sound | Acceptable | Sound | Strong | $3,039Fees | 0.300%Above | 215 |
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.