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 | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,776Fees | 0.213%Above | 610 | |
2 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,172Fees | 0.130%Above | 10,650 | |
3 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,092Fees | 0.168%Above | 5,365 | |
4 | Nations Lending CorporationIndependent Mortgage Company | Exceptional | Strong | Strong | Strong | Strong | $2,252Fees | 0.256%Above | 438 | |
5 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Exceptional | $1,462Fees | 0.403%Below | 2,246 | |
6 | NOVA FINANCIAL & INVESTMENT CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $2,926Fees | 0.400%Above | 970 | |
7 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,851Fees | 0.138%Above | 724 | |
8 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,889Fees | 0.051%Above | 692 | |
9 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,468Fees | 0.290%Above | 460 | |
10 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,759Fees | 0.394%Above | 454 | |
11 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,103Fees | 0.482%Above | 2,471 | |
12 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,369Fees | 0.564%Above | 1,570 | |
13 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,640Fees | 0.468%Above | 1,246 | |
14 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $2,432Fees | 0.323%Above | 198 | |
15 | V.I.P. MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $3,522Fees | 0.414%Above | 1,599 | |
16 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,355Fees | 0.279%Above | 694 | |
17 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Strong | Sound | Acceptable | Strong | $2,802Fees | 0.119%Above | 336 | |
18 | NFM, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $2,668Fees | 0.742%Below | 1,004 | |
19 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $3,008Fees | 0.408%Above | 694 | |
20 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $3,777Fees | 0.518%Above | 590 | |
21 | NEWREZ LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $2,227Fees | 0.278%Above | 476 | |
22 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $2,881Fees | 0.415%Above | 188 | |
23 | HOMEOWNERS FINANCIAL GROUP USA, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Sound | Exceptional | $3,295Fees | 0.385%Above | 581 | |
24 | Waterstone Mortgage CorporationIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $4,792Fees | 0.412%Above | 339 | |
25 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $3,544Fees | 0.286%Above | 327 | |
26 | DEFINE MORTGAGE SOLUTIONS, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $3,107Fees | 0.360%Above | 234 | |
27 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $2,275Fees | 0.235%Above | 161 | |
28 | ZILLOW HOME LOANS, LLCIndependent Mortgage Company | Sound | Sound | Sound | Mediocre | Strong | $3,021Fees | 0.325%Above | 631 | |
29 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $4,789Fees | 0.672%Above | 487 | |
30 | MORIA DEVELOPMENT, INC.Independent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $4,599Fees | 0.526%Above | 327 | |
31 | ON Q FINANCIAL, LLCIndependent Mortgage Company | Sound | Acceptable | Strong | Acceptable | Strong | $2,608Fees | 0.113%Below | 224 | |
32 | OCMBC, INC.Independent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $4,713Fees | 0.494%Above | 193 | |
33 | DIRECT MORTGAGE LOANS, LLCIndependent Mortgage Company | Sound | Mediocre | Sound | Exceptional | Strong | $4,268Fees | 0.482%Above | 191 | |
34 | GENEVA FINANCIAL, LLCIndependent Mortgage Company | Sound | Mediocre | Sound | Acceptable | Strong | $5,919Fees | 0.829%Above | 539 |
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.