Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | FBC MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Exceptional | Exceptional | Exceptional | Strong | $2,666Fees | 0.375%Above | 199 | |
2 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $3,607Fees | 0.232%Above | 3,738 | |
3 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $3,202Fees | 0.198%Above | 763 | |
4 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $3,739Fees | 0.414%Above | 665 | |
5 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $3,277Fees | 0.144%Above | 527 | |
6 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,024Fees | 0.712%Above | 490 | |
7 | FIRST COLONY MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,695Fees | 0.105%Above | 92 | |
8 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $4,085Fees | 0.545%Above | 580 | |
9 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,989Fees | 0.366%Above | 531 | |
10 | KIND LENDING, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,723Fees | 0.476%Above | 194 | |
11 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $3,848Fees | 0.542%Above | 160 | |
12 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $3,881Fees | 0.207%Above | 155 | |
13 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,492Fees | 0.108%Above | 1,023 | |
14 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,557Fees | 0.389%Above | 214 | |
15 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,641Fees | 0.206%Above | 2,532 | |
16 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,142Fees | 0.340%Above | 345 | |
17 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,015Fees | 0.152%Above | 277 | |
18 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,865Fees | 0.491%Above | 217 | |
19 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,766Fees | 0.412%Above | 177 | |
20 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,429Fees | 0.368%Above | 2,854 | |
21 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,492Fees | 0.605%Above | 876 | |
22 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,379Fees | 0.651%Above | 462 | |
23 | GREATER NEVADA LLCIndependent Mortgage Company | Strong | Sound | — | Strong | Exceptional | $2,464Fees | 0.270%Below | 204 | |
24 | OCMBC, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $4,116Fees | 0.931%Above | 197 | |
25 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,565Fees | 0.717%Above | 529 | |
26 | EVERGREEN MONEYSOURCE MORTGAGE COMPANYIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $4,906Fees | 0.400%Above | 393 | |
27 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,611Fees | 0.541%Above | 279 | |
28 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,418Fees | 0.383%Above | 238 | |
29 | GoodLeap, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $5,086Fees | 0.282%Below | 142 | |
30 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,087Fees | 0.270%Above | 123 | |
31 | Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,055Fees | 0.244%Above | 93 | |
32 | ZILLOW HOME LOANS, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $2,998Fees | 0.414%Above | 170 | |
33 | Nations Lending CorporationIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $2,612Fees | 0.263%Above | 153 | |
34 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $4,477Fees | 0.284%Above | 142 | |
35 | ALLIED MORTGAGE GROUP, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $5,109Fees | 0.466%Above | 123 | |
36 | ISERVE RESIDENTIAL LENDING, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $5,046Fees | 0.566%Above | 110 | |
37 | GENEVA FINANCIAL, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,630Fees | 0.802%Above | 100 | |
38 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $5,221Fees | 0.423%Above | 83 | |
39 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Sound | Exceptional | $4,631Fees | 0.429%Above | 811 | |
40 | CANOPY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,729Fees | 0.329%Above | 211 | |
41 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $5,396Fees | 0.608%Above | 187 | |
42 | NOVA FINANCIAL & INVESTMENT CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,629Fees | 0.316%Above | 154 | |
43 | SUMMIT FUNDING, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $5,793Fees | 0.712%Above | 144 | |
44 | PREMIER MORTGAGE RESOURCES, L.L.C.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,250Fees | 0.463%Above | 104 | |
45 | TJC Mortgage, Inc.Independent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $4,492Fees | 0.275%Above | 91 | |
46 | PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,958Fees | 0.439%Above | 87 | |
47 | AMERISAVE MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $3,646Fees | 0.749%Above | 81 | |
48 | SECURITYNATIONAL MORTGAGE COMPANYIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $4,658Fees | 0.668%Above | 330 | |
49 | AXIA FINANCIAL, LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $5,336Fees | 0.470%Above | 246 | |
50 | Luminate Home Loans, Inc.Independent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $5,036Fees | 0.595%Above | 209 |
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.