Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | A + MORTGAGE SERVICES, INC.Independent Mortgage Company | Exceptional | Strong | Strong | Exceptional | $1,306Fees | 0.313%Above | 373 | |
2 | WISCONSIN MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Strong | Exceptional | $923Fees | 0.147%Above | 251 | |
3 | PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company | Exceptional | Exceptional | Sound | Strong | $927Fees | 0.102%Above | 85 | |
4 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $1,738Fees | 0.258%Above | 590 | |
5 | FIRST COLONY MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | $1,562Fees | 0.337%Above | 306 | |
6 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | $1,334Fees | 0.367%Above | 114 | |
7 | FIRST STATE MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | $658Fees | 0.353%Above | 92 | |
8 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $2,765Fees | 0.472%Above | 953 | |
9 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,758Fees | 0.377%Above | 815 | |
10 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | $1,894Fees | 0.251%Above | 172 | |
11 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $2,955Fees | 0.458%Above | 126 | |
12 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Strong | $1,763Fees | 0.372%Above | 102 | |
13 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $758Fees | 0.080%Above | 77 | |
14 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,497Fees | 0.357%Above | 408 | |
15 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,713Fees | 0.675%Above | 248 | |
16 | PLANET HOME LENDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $1,813Fees | 0.325%Above | 118 | |
17 | Nations Lending CorporationIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $1,876Fees | 0.484%Above | 110 | |
18 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $1,559Fees | 0.389%Above | 110 | |
19 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $1,357Fees | 0.485%Above | 108 | |
20 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $4,604Fees | 0.492%Above | 101 | |
21 | AMERIHOME MORTGAGE COMPANY, LLCIndependent Mortgage Company | Strong | Sound | Sound | Strong | $1,413Fees | 0.317%Above | 80 | |
22 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $1,432Fees | 0.142%Above | 225 | |
23 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,178Fees | 0.505%Above | 193 | |
24 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $1,200Fees | 0.512%Above | 185 | |
25 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $1,223Fees | 0.590%Above | 159 | |
26 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $1,979Fees | 0.263%Above | 120 | |
27 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,208Fees | 0.438%Above | 97 | |
28 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | $2,610Fees | 0.342%Above | 75 | |
29 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Sound | Sound | $2,685Fees | 0.405%Above | 68 | |
30 | V.I.P. MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Sound | $865Fees | 0.268%Above | 57 | |
31 | NEWREZ LLCIndependent Mortgage Company | Sound | Acceptable | Sound | Strong | $1,169Fees | 0.264%Above | 283 | |
32 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | $4,450Fees | 0.807%Above | 97 | |
33 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Acceptable | Sound | Strong | $2,141Fees | 0.712%Above | 78 | |
34 | KIND LENDING, LLCIndependent Mortgage Company | Sound | Acceptable | Strong | Sound | $2,263Fees | 0.563%Above | 62 | |
35 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Sound | Acceptable | Strong | Sound | $1,740Fees | 0.761%Above | 51 | |
36 | LOWER, LLCIndependent Mortgage Company | Sound | Acceptable | Strong | Sound | $1,732Fees | 0.498%Above | 36 | |
37 | Luminate Home Loans, Inc.Independent Mortgage Company | Sound | Mediocre | Strong | Strong | $3,708Fees | 0.775%Above | 75 | |
38 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Sound | Acceptable | Sound | Sound | $4,590Fees | 0.368%Above | 37 | |
39 | PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company | Sound | Mediocre | Strong | Sound | $4,057Fees | 0.688%Above | 47 | |
40 | SECURITYNATIONAL MORTGAGE COMPANYIndependent Mortgage Company | Sound | Mediocre | Strong | Sound | $4,388Fees | 0.775%Above | 46 | |
41 | CHURCHILL MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Strong | Sound | $2,417Fees | 0.778%Above | 42 | |
42 | NATIONS RELIABLE LENDING, LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Sound | $3,270Fees | 0.688%Above | 36 |
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.