Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | VICTORY MORTGAGE, L.L.C.Independent Mortgage Company | Exceptional | Exceptional | Strong | Exceptional | $561Fees | 0.144%Below | 1,026 | |
2 | THE EQUITABLE MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Strong | Exceptional | $1,601Fees | 0.139%Above | 570 | |
3 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $2,404Fees | 0.296%Above | 5,780 | |
4 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Sound | Strong | Exceptional | $2,386Fees | 0.294%Above | 2,530 | |
5 | RUOFF MORTGAGE COMPANY, INC.Independent Mortgage Company | Strong | Sound | Strong | Exceptional | $2,213Fees | 0.372%Above | 1,958 | |
6 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | $2,299Fees | 0.566%Above | 1,927 | |
7 | EQUITY RESOURCES, INC.Independent Mortgage Company | Strong | Sound | Strong | Exceptional | $1,605Fees | 0.389%Above | 728 | |
8 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | $1,154Fees | 0.448%Above | 298 | |
9 | FIRST EQUITY MORTGAGE INCORPORATEDIndependent Mortgage Company | Strong | Strong | Sound | Strong | $995Fees | 0.054%Above | 284 | |
10 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,563Fees | 0.479%Above | 11,005 | |
11 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,254Fees | 0.761%Above | 3,651 | |
12 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,704Fees | 0.644%Above | 2,434 | |
13 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,004Fees | 0.585%Above | 2,217 | |
14 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Strong | $2,246Fees | 0.465%Above | 1,071 | |
15 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $1,553Fees | 0.064%Above | 845 | |
16 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $3,360Fees | 0.722%Above | 8,629 | |
17 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $1,522Fees | 0.698%Above | 2,573 | |
18 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $2,803Fees | 0.616%Above | 1,789 | |
19 | HOWARD HANNA FINANCIAL SERVICES, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $2,332Fees | 0.349%Above | 1,621 | |
20 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,635Fees | 0.591%Above | 1,028 | |
21 | M/I FINANCIAL, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $3,018Fees | 0.017%Above | 1,006 | |
22 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,000Fees | 0.461%Above | 999 | |
23 | DAS Acquisition Company, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,790Fees | 0.697%Above | 855 | |
24 | Synergy One Lending, Inc.Independent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $3,266Fees | 0.544%Above | 850 | |
25 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Sound | Strong | $2,287Fees | 0.406%Above | 626 | |
26 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,186Fees | 0.547%Above | 552 | |
27 | Nations Lending CorporationIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,137Fees | 0.514%Above | 512 | |
28 | UNION CAPITAL MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $2,825Fees | 0.318%Above | 469 | |
29 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,835Fees | 0.529%Above | 389 | |
30 | GoodLeap, LLCIndependent Mortgage Company | Strong | Sound | Sound | Strong | $3,352Fees | 0.074%Above | 376 | |
31 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,004Fees | 0.447%Above | 320 | |
32 | NEWREZ LLCIndependent Mortgage Company | Strong | Acceptable | Sound | Exceptional | $1,861Fees | 0.535%Above | 1,398 | |
33 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,230Fees | 0.527%Above | 777 | |
34 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,261Fees | 0.397%Above | 589 | |
35 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,777Fees | 0.642%Above | 455 | |
36 | RMC HOME MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $4,248Fees | 0.232%Above | 311 | |
37 | BAYSHORE MORTGAGE FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,921Fees | 0.588%Above | 293 | |
38 | ZILLOW HOME LOANS, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,359Fees | 0.692%Above | 278 | |
39 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Acceptable | Sound | Strong | $3,213Fees | 0.870%Above | 751 | |
40 | POLARIS HOME FUNDING CORP.Independent Mortgage Company | Sound | Mediocre | Strong | Exceptional | $3,591Fees | 0.761%Above | 670 | |
41 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Sound | Acceptable | Sound | Strong | $3,274Fees | 0.664%Above | 438 | |
42 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | $3,605Fees | 0.786%Above | 424 | |
43 | LIBERTY HOME MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Sound | Exceptional | $3,253Fees | 0.866%Above | 652 | |
44 | RAPID MORTGAGE COMPANYIndependent Mortgage Company | Sound | Mediocre | Sound | Exceptional | $3,835Fees | 0.680%Above | 625 | |
45 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | $3,279Fees | 0.671%Above | 458 | |
46 | GO MORTGAGE, LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | $2,781Fees | 0.570%Above | 454 | |
47 | ROYAL UNITED MORTGAGE LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | $2,855Fees | 0.923%Above | 380 | |
48 | NATIONS RELIABLE LENDING, LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | $3,146Fees | 0.621%Above | 284 |
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.