Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | HOME TOWN FUNDING, INC.Independent Mortgage Company | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $991Fees | 0.070%Below | 736 | |
2 | PREMIUM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $1,224Fees | 0.257%Above | 4,446 | |
3 | HOMESTEAD FUNDING CORP.Independent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $1,620Fees | 0.125%Above | 3,576 | |
4 | SEFCU SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $1,322Fees | 0.206%Below | 2,686 | |
5 | NJ LENDERS CORP.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,896Fees | 0.104%Above | 365 | |
6 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,292Fees | 0.391%Above | 1,387 | |
7 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,386Fees | 0.196%Above | 1,333 | |
8 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,704Fees | 0.243%Above | 9,211 | |
9 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,170Fees | 0.505%Above | 8,480 | |
10 | 1ST PRIORITY MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $2,275Fees | 0.230%Above | 1,401 | |
11 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Exceptional | $2,220Fees | 0.268%Above | 1,294 | |
12 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,630Fees | 0.321%Above | 4,107 | |
13 | CONTOUR MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,808Fees | 0.272%Above | 1,951 | |
14 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,854Fees | 0.406%Above | 1,702 | |
15 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,270Fees | 0.460%Above | 1,189 | |
16 | MID-ISLAND MORTGAGE CORP.Independent Mortgage Company | Strong | Strong | Sound | Sound | Strong | $1,798Fees | 0.109%Above | 252 | |
17 | NEWREZ LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Exceptional | $2,893Fees | 0.435%Above | 1,471 | |
18 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,643Fees | 0.159%Above | 945 | |
19 | HUNT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $3,568Fees | 0.446%Above | 906 | |
20 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,538Fees | 0.448%Above | 870 | |
21 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,394Fees | 0.132%Above | 767 | |
22 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,774Fees | 0.515%Above | 767 | |
23 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,022Fees | 0.416%Above | 749 | |
24 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,403Fees | 0.596%Above | 466 | |
25 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $2,177Fees | 1.293%Above | 309 | |
26 | SUMMIT MORTGAGE BANKERS INC.Independent Mortgage Company | Strong | Sound | Sound | Strong | Strong | $3,780Fees | 0.060%Above | 291 | |
27 | NORWICH COMMERCIAL GROUP, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Sound | Exceptional | $2,840Fees | 0.392%Above | 705 | |
28 | CLIFFCO, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Sound | Exceptional | $3,744Fees | 0.340%Above | 674 | |
29 | UNITED NORTHERN MORTGAGE BANKERS LIMITEDIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Exceptional | $3,623Fees | 0.326%Above | 670 | |
30 | FM Home Loans, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Exceptional | $2,647Fees | 0.325%Above | 536 | |
31 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $2,955Fees | 0.471%Above | 315 | |
32 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $2,351Fees | 0.094%Above | 275 | |
33 | Farm Credit East, ACAIndependent Mortgage Company | Strong | Sound | Sound | Sound | Strong | $1,826Fees | 0.182%Above | 240 | |
34 | NATIONWIDE MORTGAGE BANKERS, INC.Independent Mortgage Company | Strong | Mediocre | Strong | Strong | Exceptional | $5,081Fees | 0.488%Above | 1,568 | |
35 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $1,730Fees | 0.465%Above | 703 | |
36 | EVERETT FINANCIAL, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $2,883Fees | 0.483%Above | 678 | |
37 | EMBRACE HOME LOANS, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $2,826Fees | 0.161%Above | 547 | |
38 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,106Fees | 0.608%Above | 299 | |
39 | ABSOLUTE HOME MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $2,796Fees | 0.856%Above | 233 | |
40 | MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP.Independent Mortgage Company | Sound | Mediocre | Strong | Sound | Exceptional | $5,461Fees | 0.520%Above | 828 | |
41 | UNITED MORTGAGE CORP.Independent Mortgage Company | Sound | Mediocre | Strong | Sound | Exceptional | $4,801Fees | 0.566%Above | 827 | |
42 | EAST COAST CAPITAL CORP.Independent Mortgage Company | Sound | Mediocre | Strong | Sound | Exceptional | $4,685Fees | 0.409%Above | 647 | |
43 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Sound | Acceptable | Strong | Acceptable | Strong | $4,565Fees | 0.631%Above | 282 | |
44 | ROYAL UNITED MORTGAGE LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $2,840Fees | 1.252%Above | 243 | |
45 | A&D Mortgage LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Sound | Strong | $4,568Fees | 0.458%Above | 323 | |
46 | US MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Strong | Sound | Strong | $4,258Fees | 0.561%Above | 265 | |
47 | NP, INC.Independent Mortgage Company | Sound | Mediocre | Strong | Sound | Strong | $2,211Fees | 1.106%Above | 261 | |
48 | HOMEBRIDGE FINANCIAL SERVICES, INC.Independent Mortgage Company | Sound | Mediocre | Strong | Acceptable | Strong | $4,608Fees | 0.556%Above | 366 | |
49 | HARTFORD FUNDING, LTD.Independent Mortgage Company | Sound | Mediocre | Sound | Sound | Strong | $5,242Fees | 0.465%Above | 234 |
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.