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 | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | ASSOCIATED MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $2,433Fees | 0.316%Above | 2,371 | |
2 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $2,585Fees | 0.172%Above | 1,503 | |
3 | FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $1,950Fees | 0.405%Above | 1,194 | |
4 | LENDLO MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $3,159Fees | 0.499%Above | 826 | |
5 | MLD MORTGAGE INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | $2,777Fees | 0.254%Above | 404 | |
6 | CWM PARTNERS, L.P.Independent Mortgage Company | Strong | Sound | Strong | Exceptional | $1,961Fees | 0.265%Above | 245 | |
7 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,582Fees | 0.420%Above | 2,948 | |
8 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $1,856Fees | 0.016%Below | 405 | |
9 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | $1,941Fees | 0.283%Above | 382 | |
10 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Strong | $2,660Fees | 0.534%Above | 323 | |
11 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $2,873Fees | 0.357%Above | 315 | |
12 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Sound | $1,513Fees | 0.419%Above | 99 | |
13 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $1,518Fees | 0.519%Above | 1,577 | |
14 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,061Fees | 0.540%Above | 561 | |
15 | THE MORTGAGE LINK, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $2,981Fees | 0.639%Above | 431 | |
16 | FINANCIAL CONCEPTS MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $2,424Fees | 0.384%Above | 413 | |
17 | American Mortgage Bank, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $1,872Fees | 0.573%Above | 371 | |
18 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,819Fees | 0.462%Above | 259 | |
19 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,499Fees | 0.248%Above | 229 | |
20 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,425Fees | 0.586%Above | 197 | |
21 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,546Fees | 0.599%Above | 197 | |
22 | V.I.P. MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,131Fees | 0.274%Above | 184 | |
23 | SWBC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $4,121Fees | 0.356%Above | 181 | |
24 | GoodLeap, LLCIndependent Mortgage Company | Strong | Sound | Sound | Strong | $3,034Fees | 0.140%Below | 135 | |
25 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Sound | Strong | $2,113Fees | 0.148%Above | 134 | |
26 | AMERIHOME MORTGAGE COMPANY, LLCIndependent Mortgage Company | Strong | Sound | Sound | Strong | $2,631Fees | 0.534%Above | 126 | |
27 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,118Fees | 0.467%Above | 267 | |
28 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,042Fees | 0.715%Above | 257 | |
29 | INTERLINC MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,316Fees | 0.817%Above | 183 | |
30 | MORTGAGE SOLUTIONS OF COLORADO, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $1,806Fees | 0.595%Above | 180 | |
31 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,279Fees | 0.564%Above | 160 | |
32 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,095Fees | 0.841%Above | 127 | |
33 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,391Fees | 0.856%Above | 122 | |
34 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,293Fees | 0.482%Above | 118 | |
35 | SUN WEST MORTGAGE COMPANY, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,651Fees | 0.444%Above | 117 | |
36 | TOWNE MORTGAGE COMPANYIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,528Fees | 0.409%Above | 114 | |
37 | ZILLOW HOME LOANS, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,409Fees | 0.640%Above | 108 | |
38 | Luminate Home Loans, Inc.Independent Mortgage Company | Sound | Mediocre | Strong | Exceptional | $3,928Fees | 0.736%Above | 533 | |
39 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Acceptable | Sound | Strong | $3,648Fees | 0.777%Above | 415 | |
40 | NEWREZ LLCIndependent Mortgage Company | Sound | Acceptable | Sound | Strong | $1,831Fees | 0.501%Above | 296 | |
41 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Sound | Acceptable | Sound | Strong | $4,257Fees | 0.326%Above | 110 | |
42 | MORTGAGE INVESTMENT SERVICES CORPORATIONIndependent Mortgage Company | Sound | Acceptable | Sound | Strong | $1,864Fees | 0.542%Above | 99 | |
43 | GENEVA FINANCIAL, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | $3,442Fees | 0.717%Above | 91 | |
44 | Waterstone Mortgage CorporationIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | $3,982Fees | 0.595%Above | 336 | |
45 | GARDNER FINANCIAL SERVICES, LTD.Independent Mortgage Company | Sound | Mediocre | Strong | Strong | $2,992Fees | 0.701%Above | 164 | |
46 | SUCCESS MORTGAGE PARTNERS, INC.Independent Mortgage Company | Sound | Mediocre | Strong | Strong | $4,311Fees | 0.631%Above | 123 | |
47 | ROYAL UNITED MORTGAGE LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | $2,673Fees | 1.170%Above | 122 | |
48 | SOUTHWEST FUNDING, LPIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | $3,140Fees | 0.725%Above | 117 | |
49 | US MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Sound | Strong | $3,116Fees | 0.666%Above | 215 |
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.