Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,618Fees | 0.113%Below | 172 | |
2 | First Heritage Mortgage, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,176Fees | 0.563%Below | 173 | |
3 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,644Fees | 0.306%Above | 4,820 | |
4 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,583Fees | 0.233%Above | 2,512 | |
5 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,979Fees | 0.062%Below | 542 | |
6 | VELOCIO MORTGAGE L.L.C.Independent Mortgage Company | Strong | Strong | Strong | Sound | Strong | $1,448Fees | 0.501%Below | 193 | |
7 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,858Fees | 0.432%Below | 118 | |
8 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,631Fees | 0.488%Above | 728 | |
9 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $1,866Fees | 0.228%Above | 384 | |
10 | JET HOMELOANS, LPIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $2,459Fees | 0.282%Below | 209 | |
11 | MATTAMY HOME FUNDING, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $129Fees | 0.005%Below | 186 | |
12 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,921Fees | 0.590%Above | 73 | |
13 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Strong | Strong | Sound | Sound | $2,547Fees | 0.252%Above | 73 | |
14 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,462Fees | 0.374%Above | 510 | |
15 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $3,034Fees | 0.217%Above | 507 | |
16 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,896Fees | 0.597%Above | 360 | |
17 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,437Fees | 0.522%Above | 359 | |
18 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,146Fees | 0.419%Above | 245 | |
19 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,129Fees | 0.443%Above | 239 | |
20 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,224Fees | 0.262%Above | 225 | |
21 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,081Fees | 0.265%Above | 204 | |
22 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,263Fees | 0.272%Above | 174 | |
23 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,273Fees | 0.476%Above | 171 | |
24 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,017Fees | 0.341%Above | 151 | |
25 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,306Fees | 0.723%Above | 131 | |
26 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,822Fees | 0.433%Above | 113 | |
27 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,542Fees | 0.276%Above | 95 | |
28 | FBC MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Exceptional | $2,982Fees | 0.151%Above | 715 | |
29 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $4,897Fees | 0.708%Above | 510 | |
30 | NEWREZ LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $2,943Fees | 0.325%Above | 390 | |
31 | M/I FINANCIAL, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $5,188Fees | 0.125%Below | 363 | |
32 | CANOPY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $4,128Fees | 0.313%Above | 200 | |
33 | NORTHPOINT MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $1,623Fees | 0.232%Above | 176 | |
34 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $3,069Fees | 0.229%Above | 152 | |
35 | TRAILBLAZER MORTGAGE L.L.C.Independent Mortgage Company | Strong | Sound | Sound | Sound | Strong | $2,264Fees | 1.275%Below | 132 | |
36 | HOMESPIRE MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $4,885Fees | 0.504%Above | 85 | |
37 | THE MORTGAGE FIRM, INC.Independent Mortgage Company | Strong | Mediocre | Strong | Strong | Exceptional | $3,746Fees | 0.399%Above | 490 | |
38 | NFM, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,026Fees | 0.247%Below | 488 | |
39 | Waterstone Mortgage CorporationIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,562Fees | 0.394%Above | 369 | |
40 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $2,696Fees | 0.281%Above | 351 | |
41 | ZILLOW HOME LOANS, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $2,828Fees | 0.349%Above | 198 | |
42 | EVERETT FINANCIAL, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,389Fees | 0.676%Above | 194 | |
43 | MORTGAGE EQUITY PARTNERS LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $4,416Fees | 0.601%Above | 115 | |
44 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,387Fees | 0.549%Above | 111 | |
45 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $6,000Fees | 0.725%Above | 110 | |
46 | PARK SQUARE HOME MORTGAGE, LLCIndependent Mortgage Company | Sound | Sound | Acceptable | Acceptable | Strong | $2,704Fees | 0.520%Below | 140 | |
47 | Mortgage Lenders Investment Trading CorporationIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $3,840Fees | 0.721%Above | 137 | |
48 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Sound | Acceptable | Strong | Acceptable | Strong | $5,048Fees | 0.425%Above | 107 | |
49 | PFN Lending Group, Inc.Independent Mortgage Company | Sound | Acceptable | Sound | Sound | Strong | $6,020Fees | 0.153%Above | 72 |
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.