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, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,187Fees | 0.067%Above | 521 | |
2 | BARTLETT MORTGAGE, INC.Independent Mortgage Company | Exceptional | Strong | Strong | Strong | Exceptional | $1,967Fees | 0.230%Above | 195 | |
3 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $3,184Fees | 0.276%Above | 191 | |
4 | COMMUNITY MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Sound | Strong | Exceptional | Exceptional | $3,263Fees | 0.210%Above | 1,062 | |
5 | MORTGAGE INVESTORS GROUP, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,591Fees | 0.190%Above | 312 | |
6 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $2,152Fees | 0.044%Below | 185 | |
7 | SWBC MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,272Fees | 0.495%Above | 85 | |
8 | GoodLeap, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $3,264Fees | 0.131%Above | 68 | |
9 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,241Fees | 0.380%Above | 1,095 | |
10 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,851Fees | 0.410%Above | 130 | |
11 | Nations Lending CorporationIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,700Fees | 0.553%Above | 184 | |
12 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,458Fees | 0.461%Above | 100 | |
13 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,672Fees | 0.246%Below | 82 | |
14 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,625Fees | 0.632%Above | 81 | |
15 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,021Fees | 0.539%Above | 72 | |
16 | MORTGAGE FINANCIAL SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $3,932Fees | 0.629%Above | 47 | |
17 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,847Fees | 0.296%Above | 363 | |
18 | STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,729Fees | 0.525%Above | 141 | |
19 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,179Fees | 0.456%Above | 95 | |
20 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,504Fees | 0.721%Above | 75 | |
21 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Sound | $2,939Fees | 0.368%Above | 52 | |
22 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,137Fees | 0.352%Above | 42 | |
23 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $310Fees | 0.850%Above | 319 | |
24 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $2,836Fees | 0.419%Above | 97 | |
25 | EVERETT FINANCIAL, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $5,359Fees | 0.712%Above | 97 | |
26 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,303Fees | 0.582%Above | 62 | |
27 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $4,263Fees | 0.581%Above | 42 | |
28 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $128Fees | 0.693%Above | 40 | |
29 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,477Fees | 0.498%Above | 31 | |
30 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,653Fees | 0.662%Above | 31 | |
31 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,401Fees | 0.627%Above | 274 | |
32 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,145Fees | 0.478%Above | 100 | |
33 | SOUTHWEST FUNDING, LPIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,947Fees | 0.911%Above | 66 | |
34 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $4,501Fees | 0.528%Above | 64 | |
35 | AMERISAVE MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $5,619Fees | 0.392%Above | 43 | |
36 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $3,397Fees | 0.599%Above | 135 | |
37 | Wolfe Financial, IncIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $4,199Fees | 0.430%Above | 58 | |
38 | PREMIER MORTGAGE RESOURCES, L.L.C.Independent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $5,975Fees | 0.312%Above | 27 | |
39 | ACOPIA, LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Sound | $4,404Fees | 0.166%Above | 44 | |
40 | ROYAL UNITED MORTGAGE LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Sound | Sound | $2,316Fees | 1.632%Above | 31 |
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.