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 | Strong | Exceptional | Exceptional | Exceptional | $3,290Fees | 0.295%Above | 830 | |
2 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,667Fees | 0.465%Above | 155 | |
3 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,403Fees | 0.180%Above | 94 | |
4 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,275Fees | 0.207%Above | 93 | |
5 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,915Fees | 0.217%Above | 90 | |
6 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Sound | $2,145Fees | 1.030%Below | 32 | |
7 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,620Fees | 0.513%Above | 108 | |
8 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,277Fees | 0.383%Above | 62 | |
9 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,000Fees | 0.361%Above | 568 | |
10 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,845Fees | 0.194%Above | 129 | |
11 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,085Fees | 0.223%Above | 109 | |
12 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,192Fees | 0.555%Above | 301 | |
13 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,148Fees | 0.484%Above | 204 | |
14 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,021Fees | 0.391%Above | 131 | |
15 | SUN WEST MORTGAGE COMPANY, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $4,408Fees | 0.355%Above | 18 | |
16 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,145Fees | 0.569%Above | 162 | |
17 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,877Fees | 0.416%Above | 68 | |
18 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,997Fees | 0.317%Above | 47 | |
19 | COASTAL LOANS, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $5,514Fees | 0.324%Above | 63 | |
20 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $3,629Fees | 0.747%Above | 59 | |
21 | EVERETT FINANCIAL, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,152Fees | 0.913%Above | 79 | |
22 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $4,270Fees | 0.809%Above | 108 | |
23 | SUCCESS MORTGAGE PARTNERS, INC.Independent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $4,149Fees | 0.371%Above | 84 | |
24 | THE MORTGAGE FIRM, INC.Independent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $3,176Fees | 0.503%Above | 42 | |
25 | LEADERONE FINANCIAL CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $2,358Fees | 0.759%Above | 29 | |
26 | AMERICAN BANCSHARES MORTGAGE, LLCIndependent Mortgage Company | Sound | Mediocre | Sound | Sound | Exceptional | $4,213Fees | 0.557%Above | 165 | |
27 | NEW DAY FINANCIAL, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Sound | $5,332Fees | 0.761%Above | 38 |
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.