Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | HOME TOWN FUNDING, INC.Independent Mortgage Company | Exceptional | Exceptional | Strong | Exceptional | $991Fees | 0.070%Below | 736 | |
2 | PREMIUM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | $1,224Fees | 0.257%Above | 4,446 | |
3 | HOMESTEAD FUNDING CORP.Independent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | $1,620Fees | 0.125%Above | 3,576 | |
4 | SEFCU SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | $1,322Fees | 0.206%Below | 2,686 | |
5 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $3,704Fees | 0.243%Above | 9,211 | |
6 | NJ LENDERS CORP.Independent Mortgage Company | Strong | Strong | Strong | Strong | $2,896Fees | 0.104%Above | 365 | |
7 | MID-ISLAND MORTGAGE CORP.Independent Mortgage Company | Strong | Strong | Strong | Strong | $1,798Fees | 0.109%Above | 252 | |
8 | 1ST PRIORITY MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Strong | Exceptional | $2,275Fees | 0.230%Above | 1,401 | |
9 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | $2,386Fees | 0.196%Above | 1,333 | |
10 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | $2,220Fees | 0.268%Above | 1,294 | |
11 | NORWICH COMMERCIAL GROUP, INC.Independent Mortgage Company | Strong | Sound | Strong | Exceptional | $2,840Fees | 0.392%Above | 705 | |
12 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $4,170Fees | 0.505%Above | 8,480 | |
13 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $2,854Fees | 0.406%Above | 1,702 | |
14 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,270Fees | 0.460%Above | 1,189 | |
15 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | $2,643Fees | 0.159%Above | 945 | |
16 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Strong | $2,177Fees | 1.293%Above | 309 | |
17 | SUMMIT MORTGAGE BANKERS INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | $3,780Fees | 0.060%Above | 291 | |
18 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $2,630Fees | 0.321%Above | 4,107 | |
19 | CONTOUR MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $3,808Fees | 0.272%Above | 1,951 | |
20 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $3,292Fees | 0.391%Above | 1,387 | |
21 | HUNT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $3,568Fees | 0.446%Above | 906 | |
22 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,538Fees | 0.448%Above | 870 | |
23 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,394Fees | 0.132%Above | 767 | |
24 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $4,022Fees | 0.416%Above | 749 | |
25 | CLIFFCO, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $3,744Fees | 0.340%Above | 674 | |
26 | UNITED NORTHERN MORTGAGE BANKERS LIMITEDIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $3,623Fees | 0.326%Above | 670 | |
27 | Farm Credit East, ACAIndependent Mortgage Company | Strong | Sound | Sound | Strong | $1,826Fees | 0.182%Above | 240 | |
28 | NEWREZ LLCIndependent Mortgage Company | Strong | Acceptable | Sound | Exceptional | $2,893Fees | 0.435%Above | 1,471 | |
29 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,774Fees | 0.515%Above | 767 | |
30 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $1,730Fees | 0.465%Above | 703 | |
31 | EMBRACE HOME LOANS, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,826Fees | 0.161%Above | 547 | |
32 | FM Home Loans, LLCIndependent Mortgage Company | Strong | Acceptable | Sound | Exceptional | $2,647Fees | 0.325%Above | 536 | |
33 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $1,403Fees | 0.596%Above | 466 | |
34 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,351Fees | 0.094%Above | 275 | |
35 | NATIONWIDE MORTGAGE BANKERS, INC.Independent Mortgage Company | Sound | Mediocre | Strong | Exceptional | $5,081Fees | 0.488%Above | 1,568 | |
36 | UNITED MORTGAGE CORP.Independent Mortgage Company | Sound | Mediocre | Strong | Exceptional | $4,801Fees | 0.566%Above | 827 | |
37 | EVERETT FINANCIAL, INC.Independent Mortgage Company | Sound | Mediocre | Exceptional | Strong | $2,883Fees | 0.483%Above | 678 | |
38 | EAST COAST CAPITAL CORP.Independent Mortgage Company | Sound | Mediocre | Strong | Exceptional | $4,685Fees | 0.409%Above | 647 | |
39 | HOMEBRIDGE FINANCIAL SERVICES, INC.Independent Mortgage Company | Sound | Acceptable | Sound | Strong | $4,608Fees | 0.556%Above | 366 | |
40 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Acceptable | Sound | Strong | $2,955Fees | 0.471%Above | 315 | |
41 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Sound | Acceptable | Sound | Strong | $4,565Fees | 0.631%Above | 282 | |
42 | MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP.Independent Mortgage Company | Sound | Mediocre | Sound | Exceptional | $5,461Fees | 0.520%Above | 828 | |
43 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | $4,106Fees | 0.608%Above | 299 | |
44 | ROYAL UNITED MORTGAGE LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | $2,840Fees | 1.252%Above | 243 | |
45 | ABSOLUTE HOME MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | $2,796Fees | 0.856%Above | 233 | |
46 | A&D Mortgage LLCIndependent Mortgage Company | Sound | Mediocre | Sound | Strong | $4,568Fees | 0.458%Above | 323 | |
47 | JET DIRECT FUNDING CORPIndependent Mortgage Company | Sound | Mediocre | Sound | Strong | $6,511Fees | 0.357%Above | 271 | |
48 | US MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Sound | Strong | $4,258Fees | 0.561%Above | 265 | |
49 | NP, INC.Independent Mortgage Company | Sound | Mediocre | Sound | Strong | $2,211Fees | 1.106%Above | 261 |
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.