Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,295Fees | 0.424%Above | 592 | |
2 | PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company | Exceptional | Exceptional | Exceptional | Sound | Sound | $1,482Fees | 0.121%Above | 26 | |
3 | FIRST STATE MORTGAGE SERVICES, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,335Fees | 0.371%Above | 108 | |
4 | MLD MORTGAGE INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $1,548Fees | 0.509%Above | 236 | |
5 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,096Fees | 0.634%Above | 244 | |
6 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,028Fees | 0.608%Above | 215 | |
7 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,761Fees | 0.559%Above | 21 | |
8 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Strong | Strong | Sound | Sound | $1,553Fees | 0.469%Above | 11 | |
9 | POINT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Strong | Sound | $1,391Fees | 0.163%Above | 10 | |
10 | NEWREZ LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $1,538Fees | 0.727%Above | 104 | |
11 | LEADERONE FINANCIAL CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,877Fees | 0.892%Above | 50 | |
12 | TOWNE MORTGAGE COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,479Fees | 0.022%Above | 26 | |
13 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,483Fees | 1.032%Above | 20 | |
14 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $1,627Fees | 0.587%Above | 14 | |
15 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,870Fees | 0.166%Above | 12 | |
16 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $1,290Fees | 0.773%Above | 110 | |
17 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $2,596Fees | 0.782%Above | 58 | |
18 | COMPASS MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Sound | $1,790Fees | 0.853%Above | 10 | |
19 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Acceptable | $2,917Fees | 0.684%Above | 10 | |
20 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $1,947Fees | 0.608%Above | 38 | |
21 | ZILLOW HOME LOANS, LLCIndependent Mortgage Company | Sound | Acceptable | Strong | Sound | Acceptable | $2,165Fees | 0.914%Above | 10 | |
22 | COMPEER FINANCIAL, FLCAIndependent Mortgage Company | Sound | Mediocre | Strong | Sound | Sound | $2,661Fees | 0.823%Above | 14 |
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.