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