Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $2,551Fees | 0.172%Above | 769 | |
2 | ASSOCIATED MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $2,389Fees | 0.229%Above | 695 | |
3 | LENDLO MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $3,041Fees | 0.394%Above | 408 | |
4 | MLD MORTGAGE INC.Independent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $2,793Fees | 0.249%Above | 376 | |
5 | PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company | Strong | Exceptional | Sound | Sound | $1,943Fees | 0.048%Below | 38 | |
6 | CWM PARTNERS, L.P.Independent Mortgage Company | Strong | Sound | Strong | Exceptional | $2,015Fees | 0.268%Above | 217 | |
7 | FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | $2,386Fees | 0.195%Above | 98 | |
8 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | $1,726Fees | 0.450%Above | 67 | |
9 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,792Fees | 0.352%Above | 1,162 | |
10 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | $2,138Fees | 0.292%Above | 215 | |
11 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $1,709Fees | 0.015%Below | 200 | |
12 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $2,278Fees | 0.167%Above | 151 | |
13 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Strong | $2,446Fees | 0.472%Above | 138 | |
14 | AML FUNDING LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $1,863Fees | 0.365%Above | 60 | |
15 | FIRST COLONY MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | $1,687Fees | 0.171%Above | 36 | |
16 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $649Fees | 0.267%Above | 548 | |
17 | FINANCIAL CONCEPTS MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $2,705Fees | 0.405%Above | 311 | |
18 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,621Fees | 0.219%Above | 170 | |
19 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,562Fees | 0.448%Above | 167 | |
20 | SWBC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $4,085Fees | 0.364%Above | 155 | |
21 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,624Fees | 0.470%Above | 139 | |
22 | V.I.P. MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $1,999Fees | 0.299%Above | 114 | |
23 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,487Fees | 0.575%Above | 112 | |
24 | AMERIHOME MORTGAGE COMPANY, LLCIndependent Mortgage Company | Strong | Sound | Sound | Strong | $2,871Fees | 0.571%Above | 84 | |
25 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Sound | Strong | $2,273Fees | 0.107%Above | 66 | |
26 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | $2,169Fees | 0.276%Above | 35 | |
27 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,052Fees | 0.350%Above | 115 | |
28 | American Mortgage Bank, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,425Fees | 0.662%Above | 110 | |
29 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,800Fees | 0.633%Above | 108 | |
30 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,527Fees | 0.427%Above | 81 | |
31 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,765Fees | 0.613%Above | 80 | |
32 | MORTGAGE SOLUTIONS OF COLORADO, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $1,851Fees | 0.569%Above | 68 | |
33 | THE MORTGAGE LINK, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,498Fees | 0.598%Above | 66 | |
34 | AMERICAN PORTFOLIO MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,280Fees | 0.728%Above | 62 | |
35 | GoodLeap, LLCIndependent Mortgage Company | Strong | Sound | Sound | Sound | $3,762Fees | 0.092%Below | 55 | |
36 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | $2,259Fees | 0.384%Above | 38 | |
37 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | $3,014Fees | 0.418%Above | 36 | |
38 | Luminate Home Loans, Inc.Independent Mortgage Company | Sound | Mediocre | Strong | Exceptional | $3,892Fees | 0.725%Above | 316 | |
39 | NEWREZ LLCIndependent Mortgage Company | Sound | Acceptable | Sound | Strong | $1,973Fees | 0.542%Above | 153 | |
40 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Acceptable | Sound | Strong | $3,145Fees | 0.673%Above | 109 | |
41 | TOWNE MORTGAGE COMPANYIndependent Mortgage Company | Sound | Acceptable | Strong | Sound | $3,001Fees | 0.297%Above | 59 | |
42 | ENVOY MORTGAGE, LTDIndependent Mortgage Company | Sound | Acceptable | Sound | Strong | $3,004Fees | 0.504%Above | 58 | |
43 | SUN WEST MORTGAGE COMPANY, INC.Independent Mortgage Company | Sound | Acceptable | Strong | Sound | $2,763Fees | 0.500%Above | 58 | |
44 | Equity Prime Mortgage LLCIndependent Mortgage Company | Sound | Acceptable | Strong | Sound | $2,509Fees | 0.865%Above | 58 | |
45 | ZILLOW HOME LOANS, LLCIndependent Mortgage Company | Sound | Acceptable | Strong | Sound | $2,411Fees | 0.536%Above | 55 | |
46 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Sound | Acceptable | Strong | Sound | $2,424Fees | 0.508%Above | 49 | |
47 | GARDNER FINANCIAL SERVICES, LTD.Independent Mortgage Company | Sound | Mediocre | Strong | Strong | $2,915Fees | 0.703%Above | 149 | |
48 | SOUTHWEST FUNDING, LPIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | $3,141Fees | 0.685%Above | 71 | |
49 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Sound | Acceptable | Sound | Sound | $3,610Fees | 0.479%Above | 49 |
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.