Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | MEGASTAR FINANCIAL CORP.Independent Mortgage Company | Exceptional | Exceptional | Strong | Strong | $6,765Credit | 0.340%Above | 172 | |
2 | PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company | Exceptional | Exceptional | Sound | Strong | $788Fees | 0.082%Below | 119 | |
3 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $3,020Fees | 0.265%Above | 3,122 | |
4 | Tradition Mortgage, LLCIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | $2,007Fees | 0.191%Above | 826 | |
5 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $4,083Fees | 0.255%Above | 2,263 | |
6 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,504Fees | 0.404%Above | 1,467 | |
7 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $2,421Fees | 0.109%Above | 745 | |
8 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | $3,495Fees | 0.185%Above | 634 | |
9 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $2,799Fees | 0.175%Above | 620 | |
10 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $3,486Fees | 0.301%Above | 427 | |
11 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Strong | $2,879Fees | 0.281%Above | 274 | |
12 | Servion, Inc.Independent Mortgage Company | Strong | Sound | Strong | Strong | $2,251Fees | 0.158%Above | 161 | |
13 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $3,854Fees | 0.393%Above | 2,217 | |
14 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $2,775Fees | 0.235%Above | 1,250 | |
15 | Summit Mortgage CorporationIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $3,358Fees | 0.344%Above | 468 | |
16 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,711Fees | 0.444%Above | 440 | |
17 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,983Fees | 0.455%Above | 436 | |
18 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,291Fees | 0.272%Above | 431 | |
19 | SWBC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,690Fees | 0.449%Above | 375 | |
20 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $4,719Fees | 0.517%Above | 278 | |
21 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,388Fees | 0.299%Above | 198 | |
22 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Sound | Strong | $1,539Fees | 0.087%Above | 167 | |
23 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,446Fees | 0.500%Above | 165 | |
24 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Sound | Exceptional | $3,793Fees | 0.470%Above | 1,187 | |
25 | M/I FINANCIAL, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $5,775Fees | 0.222%Below | 586 | |
26 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,962Fees | 0.354%Above | 575 | |
27 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $1,701Fees | 0.254%Above | 362 | |
28 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,459Fees | 0.156%Above | 335 | |
29 | Cambria Financial Group, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,513Fees | 0.213%Above | 251 | |
30 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,779Fees | 0.238%Above | 194 | |
31 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $5,014Fees | 0.601%Above | 135 | |
32 | Luminate Home Loans, Inc.Independent Mortgage Company | Sound | Mediocre | Strong | Exceptional | $4,563Fees | 0.391%Above | 1,130 | |
33 | EVERETT FINANCIAL, INC.Independent Mortgage Company | Sound | Mediocre | Exceptional | Strong | $4,234Fees | 0.638%Above | 592 | |
34 | NEWREZ LLCIndependent Mortgage Company | Sound | Acceptable | Sound | Strong | $2,457Fees | 0.320%Above | 453 | |
35 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | $3,597Fees | 0.513%Above | 221 | |
36 | MASON MCDUFFIE MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Acceptable | Sound | Strong | $4,318Fees | 0.177%Above | 187 | |
37 | ZILLOW HOME LOANS, LLCIndependent Mortgage Company | Sound | Acceptable | Strong | Sound | $2,971Fees | 0.386%Above | 96 | |
38 | KIND LENDING, LLCIndependent Mortgage Company | Sound | Acceptable | Strong | Sound | $2,704Fees | 0.340%Above | 94 | |
39 | Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company | Sound | Acceptable | Strong | Sound | $2,650Fees | 0.126%Above | 93 | |
40 | LOWER, LLCIndependent Mortgage Company | Sound | Acceptable | Strong | Sound | $2,075Fees | 0.220%Above | 91 | |
41 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | $4,257Fees | 0.502%Above | 333 | |
42 | Waterstone Mortgage CorporationIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | $5,959Fees | 0.495%Above | 155 |
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.