Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company | Exceptional | Exceptional | Exceptional | Sound | Strong | $2,341Fees | 0.072%Below | 200 | |
2 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,129Fees | 0.031%Above | 1,369 | |
3 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,034Fees | 0.127%Above | 573 | |
4 | MY MOVE MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $3,362Fees | 0.097%Below | 148 | |
5 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $5,553Fees | 0.059%Below | 59 | |
6 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,888Fees | 0.031%Below | 56 | |
7 | INTERCAP LENDING INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,999Fees | 0.220%Above | 664 | |
8 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $5,044Fees | 0.218%Above | 550 | |
9 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,080Fees | 0.173%Above | 283 | |
10 | FIRST COLONY MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,331Fees | 0.048%Above | 221 | |
11 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $2,420Fees | 0.106%Below | 98 | |
12 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $3,048Fees | 0.255%Above | 50 | |
13 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,014Fees | 0.090%Above | 167 | |
14 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,532Fees | 0.261%Above | 154 | |
15 | PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,980Fees | 0.166%Above | 103 | |
16 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $2,996Fees | 0.060%Above | 86 | |
17 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,861Fees | 0.467%Above | 79 | |
18 | SWBC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,112Fees | 0.140%Above | 65 | |
19 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,115Fees | 0.153%Above | 57 | |
20 | RESICENTRAL, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $1,870Fees | 0.163%Above | 52 | |
21 | CANOPY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $4,644Fees | 0.149%Above | 86 | |
22 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $3,050Fees | 0.416%Above | 64 | |
23 | NEWREZ LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $2,345Fees | 0.151%Above | 58 | |
24 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $4,233Fees | 0.168%Above | 53 | |
25 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,257Fees | 0.221%Above | 52 | |
26 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $5,106Fees | 0.094%Below | 47 | |
27 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,537Fees | 0.051%Above | 37 | |
28 | Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,029Fees | 0.095%Above | 28 | |
29 | CLM MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $5,362Fees | 0.242%Above | 128 | |
30 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $2,774Fees | 0.305%Above | 97 | |
31 | ON Q FINANCIAL, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $5,015Fees | 0.092%Above | 37 | |
32 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Sound | $3,335Fees | 0.154%Below | 31 | |
33 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $5,010Fees | 0.135%Above | 27 | |
34 | VAN DYK MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Acceptable | Strong | Sound | Sound | $2,508Fees | 0.233%Above | 34 | |
35 | NATIONS RELIABLE LENDING, LLCIndependent Mortgage Company | Sound | Acceptable | Strong | Sound | Sound | $4,450Fees | 0.080%Above | 19 | |
36 | Luminate Home Loans, Inc.Independent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $5,944Fees | 0.599%Above | 18 | |
37 | SECURITYNATIONAL MORTGAGE COMPANYIndependent Mortgage Company | Sound | Mediocre | Strong | Sound | Strong | $5,773Fees | 0.440%Above | 85 | |
38 | GARDNER FINANCIAL SERVICES, LTD.Independent Mortgage Company | Sound | Mediocre | Strong | Strong | Sound | $3,136Fees | 0.431%Above | 29 | |
39 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Sound | Acceptable | Strong | Acceptable | Sound | $6,231Fees | 0.349%Above | 21 | |
40 | JMAC LENDING, INC.Independent Mortgage Company | Sound | Acceptable | Strong | Acceptable | Sound | $2,362Fees | 0.208%Above | 20 | |
41 | SECURITY HOME MORTGAGE, LLC.Independent Mortgage Company | Sound | Mediocre | Sound | Strong | Sound | $5,181Fees | 0.209%Above | 32 | |
42 | CASTLE & COOKE MORTGAGE, LLCIndependent Mortgage Company | Sound | Mediocre | Sound | Acceptable | Strong | $5,151Fees | 0.474%Above | 78 | |
43 | VERITAS FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Sound | Sound | Sound | $4,271Fees | 0.431%Above | 33 |
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.