Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | FLAT BRANCH MORTGAGE, INC. Independent Mortgage CompanyDirect | Strong | Sound | Exceptional | — | $1,570Fees | 0.401%Above | 13,335 | |
2 | PROVIDENT FUNDING ASSOCIATES, L.P. Independent Mortgage CompanyWholesale | Strong | Exceptional* | Sound | — | $1,206Fees | 0.101%Below | 12,582 | |
3 | UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale | Strong | Sound* | Exceptional | — | $2,828Fees | 0.185%Above | 285,901 | |
4 | VANDERBILT MORTGAGE AND FINANCE, INC. Independent Mortgage CompanyDirect | Strong | Sound | Exceptional | — | $3,102Fees | 0.063%Above | 7,432 | |
5 | ARK-LA-TEX FINANCIAL SERVICES, LLC. Independent Mortgage CompanyDirect & Wholesale | Strong | Sound* | Exceptional | — | $2,079Fees | 0.294%Above | 14,849 | |
6 | ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Acceptable* | Exceptional | — | $3,881Fees | 0.334%Above | 266,411 | |
7 | LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Sound* | Strong | — | $2,582Fees | 0.136%Above | 57,340 | |
8 | FREEDOM MORTGAGE CORPORATION Independent Mortgage CompanyDirect & Wholesale | Strong | Sound* | Strong | — | $2,402Fees | 0.164%Above | 37,313 | |
9 | FIRST COMMUNITY MORTGAGE, INC. Independent Mortgage CompanyDirect & Wholesale | Strong | Acceptable* | Exceptional | — | $2,818Fees | 0.429%Above | 9,840 | |
10 | PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale | Sound | Sound* | Strong | — | $1,952Fees | 0.038%Above | 35,887 | |
11 | MOVEMENT MORTGAGE, LLC Independent Mortgage CompanyDirect | Sound | Acceptable | Exceptional | — | $2,921Fees | 0.343%Above | 51,046 | |
12 | THE LOAN STORE, INC. Independent Mortgage CompanyWholesale | Sound | Acceptable* | Strong | — | $2,398Fees | 0.284%Above | 16,835 | |
13 | CMG MORTGAGE, INC. Independent Mortgage CompanyDirect | Sound | Acceptable | Exceptional | — | $2,940Fees | 0.289%Above | 46,733 | |
14 | Prosperity Home Mortgage, LLC Independent Mortgage CompanyDirect | Sound | Acceptable | Strong | — | $2,384Fees | 0.287%Above | 18,786 | |
15 | MUTUAL OF OMAHA MORTGAGE, INC. Independent Mortgage CompanyDirect | Sound | Sound | Sound | — | $2,029Fees | 0.181%Above | 11,542 | |
16 | KIND LENDING, LLC Independent Mortgage CompanyWholesale | Sound | Acceptable* | Strong | — | $2,761Fees | 0.348%Above | 13,399 | |
17 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP Independent Mortgage CompanyDirect & Wholesale | Sound | Acceptable* | Exceptional | — | $3,469Fees | 0.467%Above | 11,689 | |
18 | Sierra Pacific Mortgage Company, Inc. Independent Mortgage CompanyDirect & Wholesale | Sound | Acceptable* | Strong | — | $3,577Fees | 0.263%Above | 7,145 | |
19 | GUARANTEED RATE, INC. Independent Mortgage CompanyDirect | Sound | Sound | Strong | — | $2,477Fees | 0.229%Above | 51,353 | |
20 | PRIMELENDING, A PLAINSCAPITAL COMPANY Independent Mortgage CompanyDirect | Sound | Acceptable | Exceptional | — | $3,445Fees | 0.321%Above | 21,082 | |
21 | NFM, INC. Independent Mortgage CompanyDirect | Sound | Acceptable | Exceptional | — | $3,705Fees | 0.346%Above | 16,100 | |
22 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect | Sound | Acceptable | Exceptional | — | $3,254Fees | 0.445%Above | 61,160 | |
23 | GUILD MORTGAGE COMPANY LLC Independent Mortgage CompanyDirect | Sound | Acceptable | Exceptional | — | $3,553Fees | 0.387%Above | 58,550 | |
24 | BAY EQUITY LLC Independent Mortgage CompanyDirect | Sound | Sound | Strong | — | $2,852Fees | 0.180%Above | 9,468 | |
25 | PLAZA HOME MORTGAGE, INC. Independent Mortgage CompanyWholesale | Sound | Acceptable* | Strong | — | $2,801Fees | 0.380%Above | 11,165 | |
26 | DAS Acquisition Company, LLC Independent Mortgage CompanyDirect | Sound | Acceptable | Exceptional | — | $2,766Fees | 0.587%Above | 7,507 | |
27 | Mortgage Research Center, LLC Independent Mortgage CompanyDirect | Sound | Acceptable | Strong | — | $1,956Fees | 0.540%Above | 60,588 | |
28 | UNION HOME MORTGAGE CORP. Independent Mortgage CompanyDirect & Wholesale | Sound | Acceptable* | Exceptional | — | $2,996Fees | 0.562%Above | 23,240 | |
29 | Paramount Residential Mortgage Group, Inc. Independent Mortgage CompanyDirect & Wholesale | Sound | Acceptable* | Strong | — | $3,279Fees | 0.479%Above | 17,073 | |
30 | LOWER, LLC Independent Mortgage CompanyDirect & Wholesale | Sound | Acceptable* | Strong | — | $2,834Fees | 0.450%Above | 15,793 | |
31 | AMERICAN PACIFIC MORTGAGE CORPORATION Independent Mortgage CompanyDirect | Sound | Mediocre | Exceptional | — | $4,289Fees | 0.552%Above | 17,767 | |
32 | AMERICAN FINANCIAL NETWORK, INC. Independent Mortgage CompanyDirect & Wholesale | Sound | Acceptable* | Strong | — | $2,206Fees | 0.608%Above | 9,656 | |
33 | CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect | Sound | Acceptable | Strong | — | $3,549Fees | 0.497%Above | 86,295 | |
34 | NATIONSTAR MORTGAGE LLC Independent Mortgage CompanyDirect | Sound | Acceptable | Strong | — | $3,487Fees | 0.386%Above | 21,352 | |
35 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC Independent Mortgage CompanyDirect | Sound | Mediocre | Strong | — | $3,961Fees | 0.505%Above | 8,262 | |
36 | NEWREZ LLC Independent Mortgage CompanyDirect & Wholesale | Sound | Acceptable* | Sound | — | $2,479Fees | 0.382%Above | 32,880 | |
37 | GUARANTEED RATE AFFINITY, LLC Independent Mortgage CompanyDirect | Sound | Acceptable | Strong | — | $2,588Fees | 0.279%Above | 12,743 | |
38 | ZILLOW HOME LOANS, LLC Independent Mortgage CompanyDirect | Sound | Acceptable | Strong | — | $2,906Fees | 0.435%Above | 9,356 | |
39 | EVERETT FINANCIAL, INC. Independent Mortgage CompanyDirect | Sound | Mediocre | Exceptional | — | $4,249Fees | 0.678%Above | 13,110 | |
40 | PRIMARY RESIDENTIAL MORTGAGE, INC. Independent Mortgage CompanyDirect | Sound | Mediocre | Strong | — | $4,134Fees | 0.531%Above | 8,466 | |
41 | Equity Prime Mortgage LLC Independent Mortgage CompanyDirect | Sound | Acceptable | Strong | — | $3,519Fees | 0.812%Above | 9,354 | |
42 | OCMBC, INC. Independent Mortgage CompanyWholesale | Sound | Acceptable* | Strong | — | $3,899Fees | 0.665%Above | 8,372 | |
43 | NEW AMERICAN FUNDING, LLC Independent Mortgage CompanyDirect | Sound | Acceptable | Sound | — | $3,182Fees | 0.556%Above | 37,119 | |
44 | Luminate Home Loans, Inc. Independent Mortgage CompanyDirect | Acceptable | Mediocre | Strong | — | $4,167Fees | 0.581%Above | 7,561 | |
45 | CARRINGTON MORTGAGE SERVICES, LLC Independent Mortgage CompanyDirect | Acceptable | Acceptable | Sound | — | $4,326Fees | 0.441%Above | 8,697 |
Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.
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.
⚖️ Licensing & Disclosures
Lender rankings and market statistics are created by Dylan Hall, licensed mortgage loan officer (NMLS #1658740). Safe Rate is a mortgage technology platform; mortgage lending services are provided by PartnerOwn LLC dba Safe Rate Mortgage, a licensed mortgage broker and lender (NMLS #1590949). Safe Rate Mortgage is a lending partner of some of the lenders ranked on this page, and Safe Rate Inc. has software or service customers on this list; however, all rankings are calculated using objective, public Home Mortgage Disclosure Act (HMDA) datasets, completely independent of any corporate partnerships, client relationships, or compensation.