Safe Rate Rankings
Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,789Fees | 0.246%Above | 1,219 | |
2 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,805Fees | 0.438%Above | 114 | |
3 | Manufacturers and Traders Trust CompanyBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,539Fees | 0.178%Above | 81 | |
4 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,973Fees | 0.361%Above | 72 | |
5 | EMM LOANS LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,248Fees | 0.412%Above | 731 | |
6 | KEYSTONE FUNDING, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,560Fees | 0.291%Above | 162 | |
7 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $2,261Fees | 0.094%Below | 111 | |
8 | AMERANT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Strong | Strong | Strong | $1,115Fees | 0.397%Above | 91 | |
9 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,553Fees | 0.303%Above | 1,127 | |
10 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,905Fees | 0.391%Above | 490 | |
11 | HARBORONE MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $2,402Fees | 0.208%Above | 328 | |
12 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,480Fees | 0.236%Above | 282 | |
13 | Citizens Bank, National AssociationBank | Strong | Strong | Strong | Sound | Strong | $1,464Fees | 0.118%Above | 189 | |
14 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,041Fees | 0.378%Above | 1,819 | |
15 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,853Fees | 0.321%Above | 618 | |
16 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,278Fees | 0.347%Above | 414 | |
17 | NORTHPOINT MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $3,015Fees | 0.310%Above | 171 | |
18 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,600Fees | 0.273%Above | 104 | |
19 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $3,198Fees | 0.462%Above | 82 | |
20 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,743Fees | 0.192%Above | 323 | |
21 | NEW FED MORTGAGE, CORP.Independent Mortgage Company | Strong | Acceptable | Strong | Exceptional | Strong | $2,234Fees | 0.343%Above | 78 | |
22 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,063Fees | 0.430%Above | 539 | |
23 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $3,349Fees | 0.578%Above | 249 | |
24 | TOTAL MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $2,902Fees | 0.470%Above | 171 | |
25 | ENVOY MORTGAGE, LTDIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $3,845Fees | 0.473%Above | 156 | |
26 | EVERETT FINANCIAL, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,707Fees | 0.546%Above | 79 | |
27 | Waterstone Mortgage CorporationIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $3,837Fees | 0.564%Above | 69 | |
28 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $1,494Fees | 0.080%Above | 67 | |
29 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $1,257Fees | 0.267%Above | 59 | |
30 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $1,937Fees | 0.200%Above | 57 | |
31 | Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $4,353Fees | 0.322%Above | 56 | |
32 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,032Fees | 0.441%Above | 156 | |
33 | Luminate Home Loans, Inc.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,358Fees | 0.527%Above | 142 | |
34 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,291Fees | 0.311%Above | 132 | |
35 | AMERISAVE MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $5,109Fees | 0.715%Above | 56 | |
36 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $1,634Fees | 0.399%Above | 130 | |
37 | MORTGAGE EQUITY PARTNERS LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $2,962Fees | 0.481%Above | 89 |
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.