Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company | Exceptional | Exceptional | Exceptional | Sound | — | $1,206Fees | 0.101%Below | 12,582 | |
2 | FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Exceptional | — | $1,570Fees | 0.401%Above | 13,335 | |
3 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | — | $2,582Fees | 0.136%Above | 57,340 | |
4 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | — | $2,079Fees | 0.294%Above | 14,849 | |
5 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Strong | Strong | Sound | — | $2,029Fees | 0.181%Above | 11,542 | |
6 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | — | $2,801Fees | 0.380%Above | 11,165 | |
7 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | — | $2,852Fees | 0.180%Above | 9,468 | |
8 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | — | $3,102Fees | 0.063%Above | 7,432 | |
9 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | — | $2,828Fees | 0.185%Above | 285,901 | |
10 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | — | $3,881Fees | 0.334%Above | 266,411 | |
11 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | — | $1,952Fees | 0.038%Above | 35,887 | |
12 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | — | $3,549Fees | 0.497%Above | 86,295 | |
13 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | — | $3,254Fees | 0.445%Above | 61,160 | |
14 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | — | $3,553Fees | 0.387%Above | 58,550 | |
15 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | — | $2,477Fees | 0.229%Above | 51,353 | |
16 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | — | $2,921Fees | 0.343%Above | 51,046 | |
17 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | — | $2,940Fees | 0.289%Above | 46,733 | |
18 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Sound | — | $2,402Fees | 0.164%Above | 37,313 | |
19 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | — | $2,996Fees | 0.562%Above | 23,240 | |
20 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | — | $3,487Fees | 0.386%Above | 21,352 | |
21 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | — | $3,445Fees | 0.321%Above | 21,082 | |
22 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | — | $2,384Fees | 0.287%Above | 18,786 | |
23 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | — | $3,279Fees | 0.479%Above | 17,073 | |
24 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | — | $2,398Fees | 0.284%Above | 16,835 | |
25 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | — | $2,834Fees | 0.450%Above | 15,793 | |
26 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | — | $2,761Fees | 0.348%Above | 13,399 | |
27 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | — | $3,469Fees | 0.467%Above | 11,689 | |
28 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | — | $2,818Fees | 0.429%Above | 9,840 | |
29 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | — | $2,206Fees | 0.608%Above | 9,656 | |
30 | PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | — | $4,134Fees | 0.531%Above | 8,466 | |
31 | DAS Acquisition Company, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | — | $2,766Fees | 0.587%Above | 7,507 | |
32 | Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | — | $3,577Fees | 0.263%Above | 7,145 | |
33 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | — | $3,182Fees | 0.556%Above | 37,119 | |
34 | NEWREZ LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | — | $2,479Fees | 0.382%Above | 32,880 | |
35 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | — | $2,588Fees | 0.279%Above | 12,743 | |
36 | Mortgage Research Center, LLCIndependent Mortgage Company | Sound | Acceptable | Strong | Sound | — | $1,956Fees | 0.540%Above | 60,588 | |
37 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | — | $4,289Fees | 0.552%Above | 17,767 | |
38 | NFM, INC.Independent Mortgage Company | Sound | Mediocre | Exceptional | Strong | — | $3,705Fees | 0.346%Above | 16,100 | |
39 | EVERETT FINANCIAL, INC.Independent Mortgage Company | Sound | Mediocre | Exceptional | Strong | — | $4,249Fees | 0.678%Above | 13,110 | |
40 | ZILLOW HOME LOANS, LLCIndependent Mortgage Company | Sound | Acceptable | Strong | Sound | — | $2,906Fees | 0.435%Above | 9,356 | |
41 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | — | $3,961Fees | 0.505%Above | 8,262 | |
42 | Luminate Home Loans, Inc.Independent Mortgage Company | Sound | Mediocre | Exceptional | Strong | — | $4,167Fees | 0.581%Above | 7,561 | |
43 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Sound | Acceptable | Strong | Acceptable | — | $4,326Fees | 0.441%Above | 8,697 | |
44 | OCMBC, INC.Independent Mortgage Company | Sound | Mediocre | Strong | Sound | — | $3,899Fees | 0.665%Above | 8,372 | |
45 | Equity Prime Mortgage LLCIndependent Mortgage Company | Sound | Mediocre | Sound | Acceptable | — | $3,519Fees | 0.812%Above | 9,354 |
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.