Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | IOWA BANKERS MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Exceptional | Exceptional | Strong | $1,186Fees | 0.131%Below | 96 | |
2 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $1,666Fees | 0.202%Above | 510 | |
3 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $3,004Fees | 0.302%Above | 363 | |
4 | FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | $1,561Fees | 0.288%Above | 131 | |
5 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,808Fees | 0.387%Above | 682 | |
6 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | $2,280Fees | 0.350%Above | 285 | |
7 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $1,428Fees | 0.080%Above | 162 | |
8 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Strong | $1,806Fees | 0.544%Above | 115 | |
9 | GERSHMAN INVESTMENT CORP.Independent Mortgage Company | Strong | Sound | Strong | Strong | $1,283Fees | 0.396%Above | 88 | |
10 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $31Fees | 0.236%Above | 484 | |
11 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,148Fees | 0.243%Above | 313 | |
12 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,201Fees | 0.314%Above | 291 | |
13 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,275Fees | 0.386%Above | 281 | |
14 | REGENT FINANCIAL GROUP, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $2,369Fees | 0.270%Above | 216 | |
15 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Sound | Strong | $1,081Fees | 0.101%Above | 124 | |
16 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | $3,521Fees | 0.382%Above | 59 | |
17 | LoanUnited.com, LLCIndependent Mortgage Company | Strong | Sound | Sound | Strong | $570Fees | 0.182%Above | 59 | |
18 | Servion, Inc.Independent Mortgage Company | Strong | Sound | Strong | Sound | $971Fees | 0.223%Above | 28 | |
19 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,706Fees | 0.566%Above | 224 | |
20 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $911Fees | 0.249%Above | 158 | |
21 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,896Fees | 0.485%Above | 70 | |
22 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Sound | $2,255Fees | 0.331%Above | 59 | |
23 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Sound | $2,810Fees | 0.475%Above | 30 | |
24 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | $4,975Fees | 0.238%Above | 27 | |
25 | CHURCHILL MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Strong | Exceptional | $3,058Fees | 0.475%Above | 270 | |
26 | NEWREZ LLCIndependent Mortgage Company | Sound | Acceptable | Sound | Strong | $2,333Fees | 0.277%Above | 66 | |
27 | MORIA DEVELOPMENT, INC.Independent Mortgage Company | Sound | Mediocre | Strong | Strong | $1,922Fees | 0.464%Above | 127 | |
28 | Luminate Home Loans, Inc.Independent Mortgage Company | Sound | Mediocre | Strong | Strong | $2,288Fees | 0.897%Above | 94 | |
29 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Acceptable | Sound | Sound | $2,796Fees | 0.598%Above | 45 | |
30 | CASTLE & COOKE MORTGAGE, LLCIndependent Mortgage Company | Sound | Mediocre | Sound | Strong | $3,405Fees | 0.296%Above | 58 |
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.