Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | VICTORY MORTGAGE, L.L.C.Independent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Exceptional | $561Fees | 0.144%Below | 1,026 | |
2 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,404Fees | 0.296%Above | 5,780 | |
3 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,246Fees | 0.465%Above | 1,071 | |
4 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,154Fees | 0.448%Above | 298 | |
5 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,299Fees | 0.566%Above | 1,927 | |
6 | M/I FINANCIAL, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,018Fees | 0.017%Above | 1,006 | |
7 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $1,553Fees | 0.064%Above | 845 | |
8 | THE EQUITABLE MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Strong | Sound | Exceptional | $1,601Fees | 0.139%Above | 570 | |
9 | GoodLeap, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $3,352Fees | 0.074%Above | 376 | |
10 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,563Fees | 0.479%Above | 11,005 | |
11 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,254Fees | 0.761%Above | 3,651 | |
12 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,704Fees | 0.644%Above | 2,434 | |
13 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,004Fees | 0.585%Above | 2,217 | |
14 | HOWARD HANNA FINANCIAL SERVICES, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $2,332Fees | 0.349%Above | 1,621 | |
15 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Exceptional | $1,861Fees | 0.535%Above | 1,398 | |
16 | RMC HOME MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $4,248Fees | 0.232%Above | 311 | |
17 | FIRST EQUITY MORTGAGE INCORPORATEDIndependent Mortgage Company | Strong | Exceptional | Sound | Acceptable | Strong | $995Fees | 0.054%Above | 284 | |
18 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,386Fees | 0.294%Above | 2,530 | |
19 | RUOFF MORTGAGE COMPANY, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,213Fees | 0.372%Above | 1,958 | |
20 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,803Fees | 0.616%Above | 1,789 | |
21 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,635Fees | 0.591%Above | 1,028 | |
22 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,000Fees | 0.461%Above | 999 | |
23 | Synergy One Lending, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,266Fees | 0.544%Above | 850 | |
24 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,186Fees | 0.547%Above | 552 | |
25 | Nations Lending CorporationIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,137Fees | 0.514%Above | 512 | |
26 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Exceptional | $1,522Fees | 0.698%Above | 2,573 | |
27 | EQUITY RESOURCES, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $1,605Fees | 0.389%Above | 728 | |
28 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,261Fees | 0.397%Above | 589 | |
29 | UNION CAPITAL MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $2,825Fees | 0.318%Above | 469 | |
30 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,777Fees | 0.642%Above | 455 | |
31 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,835Fees | 0.529%Above | 389 | |
32 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,004Fees | 0.447%Above | 320 | |
33 | ZILLOW HOME LOANS, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,359Fees | 0.692%Above | 278 | |
34 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,360Fees | 0.722%Above | 8,629 | |
35 | DAS Acquisition Company, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $3,790Fees | 0.697%Above | 855 | |
36 | POLARIS HOME FUNDING CORP.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,591Fees | 0.761%Above | 670 | |
37 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $2,287Fees | 0.406%Above | 626 | |
38 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $3,274Fees | 0.664%Above | 438 | |
39 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $3,605Fees | 0.786%Above | 424 | |
40 | AMERISAVE MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $4,304Fees | 0.725%Above | 292 | |
41 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,230Fees | 0.527%Above | 777 | |
42 | RAPID MORTGAGE COMPANYIndependent Mortgage Company | Strong | Mediocre | Strong | Strong | Exceptional | $3,835Fees | 0.680%Above | 625 | |
43 | Click n' Close, Inc.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $5,349Fees | 1.651%Above | 534 | |
44 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,279Fees | 0.671%Above | 458 | |
45 | NATIONS RELIABLE LENDING, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,146Fees | 0.621%Above | 284 | |
46 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $3,213Fees | 0.870%Above | 751 | |
47 | GO MORTGAGE, LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $2,781Fees | 0.570%Above | 454 | |
48 | BAYSHORE MORTGAGE FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $2,921Fees | 0.588%Above | 293 |
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.