Safe Rate Rankings
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| 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 | $3,685Fees | 0.206%Above | 4,302 | |
2 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Exceptional | $1,907Fees | 0.181%Above | 741 | |
3 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,072Fees | 0.196%Above | 144 | |
4 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,539Fees | 0.401%Above | 133 | |
5 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,456Fees | 0.066%Above | 1,559 | |
6 | AMERICAN FEDERAL MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Exceptional | Sound | Sound | Strong | $272Credit | 0.292%Below | 118 | |
7 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,384Fees | 0.206%Above | 2,884 | |
8 | NJ LENDERS CORP.Independent Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $1,814Fees | 0.023%Below | 875 | |
9 | BOND STREET MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $3,120Fees | 0.254%Above | 290 | |
10 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,562Fees | 0.094%Above | 1,039 | |
11 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $2,865Fees | 0.377%Above | 630 | |
12 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,036Fees | 0.328%Above | 245 | |
13 | HOMEBRIDGE FINANCIAL SERVICES, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $4,943Fees | 0.582%Above | 182 | |
14 | 1ST PRIORITY MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $2,930Fees | 0.153%Above | 164 | |
15 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,576Fees | 0.205%Above | 554 | |
16 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,398Fees | 0.102%Above | 497 | |
17 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,638Fees | 0.360%Above | 427 | |
18 | NORWICH COMMERCIAL GROUP, INC.Independent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $3,144Fees | 0.401%Above | 376 | |
19 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,619Fees | 0.134%Above | 372 | |
20 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,298Fees | 0.385%Above | 327 | |
21 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,720Fees | 0.511%Above | 296 | |
22 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,162Fees | 0.582%Above | 188 | |
23 | EMBRACE HOME LOANS, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,087Fees | 0.260%Above | 112 | |
24 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,324Fees | 0.677%Above | 103 | |
25 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $2,640Fees | 0.203%Above | 2,895 | |
26 | NATIONWIDE MORTGAGE BANKERS, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $5,778Fees | 0.473%Above | 603 | |
27 | CONTOUR MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,692Fees | 0.307%Above | 488 | |
28 | EAST COAST CAPITAL CORP.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $4,886Fees | 0.469%Above | 233 | |
29 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $5,025Fees | 0.588%Above | 105 | |
30 | MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP.Independent Mortgage Company | Strong | Mediocre | Strong | Strong | Exceptional | $5,780Fees | 0.541%Above | 393 | |
31 | FM Home Loans, LLCIndependent Mortgage Company | Strong | Acceptable | Sound | Sound | Exceptional | $2,551Fees | 0.308%Above | 384 | |
32 | UNITED NORTHERN MORTGAGE BANKERS LIMITEDIndependent Mortgage Company | Strong | Mediocre | Strong | Strong | Exceptional | $3,858Fees | 0.295%Above | 378 | |
33 | UNITED MORTGAGE CORP.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $5,718Fees | 0.528%Above | 335 | |
34 | ABSOLUTE HOME MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,036Fees | 0.421%Above | 244 | |
35 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,709Fees | 0.047%Above | 223 | |
36 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,961Fees | 0.508%Above | 191 | |
37 | CLIFFCO, INC.Independent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $3,065Fees | 0.335%Above | 236 | |
38 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $3,221Fees | 0.471%Above | 204 | |
39 | A&D Mortgage LLCIndependent Mortgage Company | Sound | Acceptable | Sound | Sound | Strong | $4,576Fees | 0.364%Above | 193 | |
40 | JET DIRECT FUNDING CORPIndependent Mortgage Company | Sound | Mediocre | Strong | Sound | Strong | $6,874Fees | 0.457%Above | 109 |
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.