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, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $4,050Fees | 0.142%Above | 2,441 | |
2 | MID-ISLAND MORTGAGE CORP.Independent Mortgage Company | Strong | Strong | Strong | Strong | $1,702Fees | 0.037%Above | 156 | |
3 | NJ LENDERS CORP.Independent Mortgage Company | Strong | Strong | Strong | Strong | $2,883Fees | 0.166%Above | 151 | |
4 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $5,075Fees | 0.236%Above | 1,401 | |
5 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,980Fees | 0.433%Above | 495 | |
6 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $2,438Fees | 0.266%Above | 421 | |
7 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $3,302Fees | 0.179%Above | 229 | |
8 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | $3,571Fees | 0.029%Above | 174 | |
9 | LYNX MORTGAGE BANK LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $2,061Fees | 0.010%Above | 164 | |
10 | NORWICH COMMERCIAL GROUP, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | $3,337Fees | 0.117%Above | 126 | |
11 | 1ST PRIORITY MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | $2,852Fees | 0.018%Below | 91 | |
12 | SUMMIT MORTGAGE BANKERS INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | $3,238Fees | 0.025%Above | 63 | |
13 | CONTOUR MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $3,630Fees | 0.254%Above | 1,411 | |
14 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $2,753Fees | 0.326%Above | 904 | |
15 | EMBRACE HOME LOANS, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $2,773Fees | 0.148%Above | 464 | |
16 | CLIFFCO, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $4,091Fees | 0.333%Above | 419 | |
17 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,658Fees | 0.090%Above | 352 | |
18 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $5,196Fees | 0.218%Above | 176 | |
19 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $4,448Fees | 0.292%Above | 112 | |
20 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Sound | $5,039Fees | 1.007%Above | 78 | |
21 | ALLIED MORTGAGE GROUP, INC.Independent Mortgage Company | Strong | Sound | Strong | Sound | $5,519Fees | 0.379%Above | 52 | |
22 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,964Fees | 0.345%Above | 299 | |
23 | UNITED NORTHERN MORTGAGE BANKERS LIMITEDIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,394Fees | 0.259%Above | 206 | |
24 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $4,184Fees | 0.082%Above | 134 | |
25 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,303Fees | 0.418%Above | 115 | |
26 | NATIONWIDE MORTGAGE BANKERS, INC.Independent Mortgage Company | Sound | Mediocre | Strong | Exceptional | $4,793Fees | 0.450%Above | 937 | |
27 | UNITED MORTGAGE CORP.Independent Mortgage Company | Sound | Mediocre | Strong | Exceptional | $4,584Fees | 0.545%Above | 521 | |
28 | EAST COAST CAPITAL CORP.Independent Mortgage Company | Sound | Mediocre | Strong | Exceptional | $4,632Fees | 0.357%Above | 398 | |
29 | NEWREZ LLCIndependent Mortgage Company | Sound | Acceptable | Sound | Strong | $3,281Fees | 0.338%Above | 357 | |
30 | HOMEBRIDGE FINANCIAL SERVICES, INC.Independent Mortgage Company | Sound | Acceptable | Sound | Strong | $4,251Fees | 0.472%Above | 178 | |
31 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Acceptable | Sound | Strong | $2,893Fees | 0.437%Above | 171 | |
32 | RELIANT HOME FUNDING, INCIndependent Mortgage Company | Sound | Acceptable | Sound | Strong | $3,538Fees | 0.299%Above | 162 | |
33 | FM Home Loans, LLCIndependent Mortgage Company | Sound | Acceptable | Sound | Strong | $2,946Fees | 0.288%Above | 116 | |
34 | MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP.Independent Mortgage Company | Sound | Mediocre | Sound | Exceptional | $5,050Fees | 0.461%Above | 418 | |
35 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Sound | Acceptable | Sound | Sound | $5,651Fees | 0.956%Above | 69 | |
36 | HARTFORD FUNDING, LTD.Independent Mortgage Company | Sound | Mediocre | Sound | Strong | $5,307Fees | 0.416%Above | 180 | |
37 | JET DIRECT FUNDING CORPIndependent Mortgage Company | Sound | Mediocre | Sound | Strong | $6,221Fees | 0.313%Above | 170 | |
38 | INTERSTATE HOME LOAN CENTER, INC.Independent Mortgage Company | Sound | Mediocre | Sound | Strong | $5,055Fees | 0.381%Above | 110 | |
39 | CONTINENTAL MORTGAGE BANKERS, INC.Independent Mortgage Company | Sound | Mediocre | Sound | Strong | $5,560Fees | 0.356%Above | 101 | |
40 | US MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Sound | Strong | $4,750Fees | 0.347%Above | 100 | |
41 | NP, INC.Independent Mortgage Company | Sound | Mediocre | Sound | Strong | $2,100Fees | 1.017%Above | 97 | |
42 | A&D Mortgage LLCIndependent Mortgage Company | Sound | Mediocre | Sound | Strong | $4,506Fees | 0.386%Above | 92 | |
43 | ARC HOME LLCIndependent Mortgage Company | Sound | Mediocre | Sound | Strong | $5,636Fees | 0.610%Above | 63 | |
44 | ASSOCIATED MORTGAGE BANKERS, INC.Independent Mortgage Company | Sound | Mediocre | Sound | Strong | $5,234Fees | 0.127%Above | 53 | |
45 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Sound | $4,696Fees | 0.348%Above | 48 |
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.