Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | FBC MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | $2,666Fees | 0.375%Above | 199 | |
2 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $3,607Fees | 0.232%Above | 3,738 | |
3 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | $3,492Fees | 0.108%Above | 1,023 | |
4 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | $3,202Fees | 0.198%Above | 763 | |
5 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Sound | Strong | Exceptional | $3,739Fees | 0.414%Above | 665 | |
6 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | $3,277Fees | 0.144%Above | 527 | |
7 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Strong | Sound | Strong | Exceptional | $2,024Fees | 0.712%Above | 490 | |
8 | GREATER NEVADA LLCIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | $2,464Fees | 0.270%Below | 204 | |
9 | FIRST COLONY MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | $2,695Fees | 0.105%Above | 92 | |
10 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $4,429Fees | 0.368%Above | 2,854 | |
11 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $4,641Fees | 0.206%Above | 2,532 | |
12 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $4,085Fees | 0.545%Above | 580 | |
13 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,989Fees | 0.366%Above | 531 | |
14 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $2,087Fees | 0.270%Above | 123 | |
15 | ALLIED MORTGAGE GROUP, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | $5,109Fees | 0.466%Above | 123 | |
16 | General Mortgage Capital CorporationIndependent Mortgage Company | Strong | Sound | Strong | Strong | $3,406Fees | 0.270%Above | 81 | |
17 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $4,492Fees | 0.605%Above | 876 | |
18 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $4,379Fees | 0.651%Above | 462 | |
19 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $4,611Fees | 0.541%Above | 279 | |
20 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Sound | Strong | $3,015Fees | 0.152%Above | 277 | |
21 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,557Fees | 0.389%Above | 214 | |
22 | NOVA FINANCIAL & INVESTMENT CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,629Fees | 0.316%Above | 154 | |
23 | Nations Lending CorporationIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,612Fees | 0.263%Above | 153 | |
24 | GoodLeap, LLCIndependent Mortgage Company | Strong | Sound | Sound | Strong | $5,086Fees | 0.282%Below | 142 | |
25 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Sound | Exceptional | $4,631Fees | 0.429%Above | 811 | |
26 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $4,565Fees | 0.717%Above | 529 | |
27 | EVERGREEN MONEYSOURCE MORTGAGE COMPANYIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | $4,906Fees | 0.400%Above | 393 | |
28 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,142Fees | 0.340%Above | 345 | |
29 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $4,418Fees | 0.383%Above | 238 | |
30 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,865Fees | 0.491%Above | 217 | |
31 | CANOPY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $4,729Fees | 0.329%Above | 211 | |
32 | OCMBC, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $4,116Fees | 0.931%Above | 197 | |
33 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,723Fees | 0.476%Above | 194 | |
34 | ZILLOW HOME LOANS, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,998Fees | 0.414%Above | 170 | |
35 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,848Fees | 0.542%Above | 160 | |
36 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,881Fees | 0.207%Above | 155 | |
37 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $4,477Fees | 0.284%Above | 142 | |
38 | Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,055Fees | 0.244%Above | 93 | |
39 | BAY-VALLEY MORTGAGE GROUPIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $5,254Fees | 0.431%Above | 82 | |
40 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | $5,396Fees | 0.608%Above | 187 | |
41 | NEWREZ LLCIndependent Mortgage Company | Sound | Acceptable | Sound | Strong | $2,766Fees | 0.412%Above | 177 | |
42 | SUMMIT FUNDING, INC.Independent Mortgage Company | Sound | Mediocre | Exceptional | Strong | $5,793Fees | 0.712%Above | 144 | |
43 | MASON MCDUFFIE MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Acceptable | Sound | Strong | $3,753Fees | 0.456%Above | 114 | |
44 | GENEVA FINANCIAL, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | $4,630Fees | 0.802%Above | 100 | |
45 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Sound | Acceptable | Sound | Strong | $5,221Fees | 0.423%Above | 83 | |
46 | SECURITYNATIONAL MORTGAGE COMPANYIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | $4,658Fees | 0.668%Above | 330 | |
47 | AXIA FINANCIAL, LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | $5,336Fees | 0.470%Above | 246 | |
48 | Luminate Home Loans, Inc.Independent Mortgage Company | Sound | Mediocre | Strong | Strong | $5,036Fees | 0.595%Above | 209 | |
49 | MORIA DEVELOPMENT, INC.Independent Mortgage Company | Sound | Mediocre | Strong | Strong | $4,811Fees | 0.984%Above | 187 | |
50 | RMS & ASSOCIATESIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | $5,055Fees | 0.701%Above | 145 |
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.