Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | VELOCIO MORTGAGE L.L.C.Independent Mortgage Company | Exceptional | Exceptional | Exceptional | Strong | $734Fees | 1.117%Below | 76 | |
2 | FBC MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | $1,852Fees | 0.577%Below | 93 | |
3 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $3,250Fees | 0.203%Above | 326 | |
4 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $2,565Fees | 0.114%Below | 209 | |
5 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | $3,336Fees | 0.118%Below | 337 | |
6 | JET HOMELOANS, LPIndependent Mortgage Company | Strong | Strong | Strong | Sound | $2,045Fees | 0.215%Below | 33 | |
7 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $4,182Fees | 0.305%Above | 599 | |
8 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $2,706Fees | 0.477%Above | 267 | |
9 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $4,161Fees | 0.726%Above | 244 | |
10 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | $2,665Fees | 0.299%Above | 157 | |
11 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Strong | $2,452Fees | 0.001%Below | 58 | |
12 | FIRST COLONY MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | $1,123Fees | 0.022%Below | 24 | |
13 | TIDEWATER MORTGAGE SERVICES, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $3,545Fees | 0.235%Above | 188 | |
14 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,834Fees | 0.614%Above | 185 | |
15 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,972Fees | 0.374%Above | 125 | |
16 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,474Fees | 0.462%Above | 101 | |
17 | ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,821Fees | 0.708%Above | 71 | |
18 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,865Fees | 0.638%Above | 70 | |
19 | Alcova Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,176Fees | 0.600%Above | 52 | |
20 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | $2,735Fees | 0.114%Above | 46 | |
21 | EQUITY RESOURCES, INC.Independent Mortgage Company | Strong | Sound | Strong | Sound | $1,508Fees | 0.235%Above | 26 | |
22 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,218Fees | 0.499%Above | 137 | |
23 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,731Fees | 0.748%Above | 125 | |
24 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,817Fees | 0.602%Above | 99 | |
25 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,603Fees | 0.418%Above | 80 | |
26 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Sound | Sound | $2,924Fees | 0.187%Above | 30 | |
27 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | $3,331Fees | 0.394%Above | 20 | |
28 | NEWREZ LLCIndependent Mortgage Company | Sound | Acceptable | Sound | Strong | $3,188Fees | 0.541%Above | 78 | |
29 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Sound | Acceptable | Strong | Sound | $3,709Fees | 0.418%Above | 52 | |
30 | THE LOAN STORE, INC.Independent Mortgage Company | Sound | Acceptable | Strong | Sound | $3,473Fees | 0.536%Above | 26 | |
31 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Sound | Acceptable | Strong | Sound | $3,751Fees | 0.836%Above | 24 | |
32 | SOUTHERN TRUST MORTGAGE, LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | $4,496Fees | 0.540%Above | 52 | |
33 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Acceptable | Sound | Sound | $3,484Fees | 0.573%Above | 36 | |
34 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | $3,799Fees | 0.901%Above | 33 | |
35 | EVERETT FINANCIAL, INC.Independent Mortgage Company | Sound | Mediocre | Exceptional | Sound | $2,615Fees | 0.439%Above | 29 | |
36 | CHURCHILL MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Strong | Sound | $2,634Fees | 0.364%Above | 29 | |
37 | AMERICAN HERITAGE LENDING, LLCIndependent Mortgage Company | Sound | Mediocre | Acceptable | Strong | $5,154Fees | 1.497%Above | 38 | |
38 | CITY FIRST MORTGAGE SERVICES, L.L.C.Independent Mortgage Company | Sound | Mediocre | Sound | Sound | $4,139Fees | 0.829%Above | 29 | |
39 | NEW DAY FINANCIAL, LLCIndependent Mortgage Company | Sound | Mediocre | Acceptable | Sound | $7,088Fees | 1.208%Above | 22 | |
40 | AMERISAVE MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Acceptable | Sound | $6,013Fees | 0.751%Above | 22 |
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.