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 | HOMESTEAD FUNDING CORP.Independent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,620Fees | 0.125%Above | 3,576 | |
3 | SEFCU SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Strong | Strong | Exceptional | $1,322Fees | 0.206%Below | 2,686 | |
4 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,643Fees | 0.159%Above | 945 | |
5 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,704Fees | 0.243%Above | 9,211 | |
6 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,170Fees | 0.505%Above | 8,480 | |
7 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,854Fees | 0.406%Above | 1,702 | |
8 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,220Fees | 0.268%Above | 1,294 | |
9 | NJ LENDERS CORP.Independent Mortgage Company | Exceptional | Strong | Strong | Strong | Strong | $2,896Fees | 0.104%Above | 365 | |
10 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Exceptional | $2,386Fees | 0.196%Above | 1,333 | |
11 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,630Fees | 0.321%Above | 4,107 | |
12 | 1ST PRIORITY MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | — | Strong | Exceptional | $2,275Fees | 0.230%Above | 1,401 | |
13 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $3,538Fees | 0.448%Above | 870 | |
14 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $1,403Fees | 0.596%Above | 466 | |
15 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $2,351Fees | 0.094%Above | 275 | |
16 | NEWREZ LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Exceptional | $2,893Fees | 0.435%Above | 1,471 | |
17 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,022Fees | 0.416%Above | 749 | |
18 | NP, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,211Fees | 1.106%Above | 261 | |
19 | CONTOUR MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Sound | Strong | Exceptional | $3,808Fees | 0.272%Above | 1,951 | |
20 | HUNT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | — | Strong | Exceptional | $3,568Fees | 0.446%Above | 906 | |
21 | CLIFFCO, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Sound | Exceptional | $3,744Fees | 0.340%Above | 674 | |
22 | EMBRACE HOME LOANS, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $2,826Fees | 0.161%Above | 547 | |
23 | FM Home Loans, LLCIndependent Mortgage Company | Strong | Mediocre | Strong | Strong | Exceptional | $2,647Fees | 0.325%Above | 536 | |
24 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $4,565Fees | 0.631%Above | 282 | |
25 | Farm Credit East, ACAIndependent Mortgage Company | Strong | Sound | Sound | Acceptable | Strong | $1,826Fees | 0.182%Above | 240 | |
26 | NATIONWIDE MORTGAGE BANKERS, INC.Independent Mortgage Company | Sound | Mediocre | Strong | Sound | Exceptional | $5,081Fees | 0.488%Above | 1,568 | |
27 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Sound | Mediocre | Strong | Sound | Exceptional | $3,292Fees | 0.391%Above | 1,387 | |
28 | EAST COAST CAPITAL CORP.Independent Mortgage Company | Sound | Mediocre | Strong | Sound | Exceptional | $4,685Fees | 0.409%Above | 647 | |
29 | A&D Mortgage LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $4,568Fees | 0.458%Above | 323 | |
30 | HOMEBRIDGE FINANCIAL SERVICES, INC.Independent Mortgage Company | Sound | Mediocre | Strong | Sound | Strong | $4,608Fees | 0.556%Above | 366 | |
31 | MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP.Independent Mortgage Company | Sound | Mediocre | Sound | Mediocre | Exceptional | $5,461Fees | 0.520%Above | 828 |
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.