Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company | Exceptional | Exceptional | Sound | Strong | $1,186Fees | 0.076%Below | 333 | |
2 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $3,162Fees | 0.113%Above | 2,496 | |
3 | SAMMAMISH MORTGAGE COMPANYIndependent Mortgage Company | Strong | Strong | Strong | Strong | $1,736Fees | 0.122%Below | 97 | |
4 | RESIDENTIAL MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | $3,783Fees | 0.022%Below | 62 | |
5 | BETTER MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Exceptional | Acceptable | Sound | $681Fees | 0.185%Below | 58 | |
6 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $4,500Fees | 0.248%Above | 1,873 | |
7 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $4,131Fees | 0.122%Above | 1,243 | |
8 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,745Fees | 0.202%Above | 886 | |
9 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $4,753Fees | 0.392%Above | 640 | |
10 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | $3,400Fees | 0.145%Above | 489 | |
11 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $2,083Fees | 0.075%Above | 347 | |
12 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $2,559Fees | 0.092%Above | 231 | |
13 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Strong | $2,201Fees | 0.009%Above | 192 | |
14 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $4,290Fees | 0.099%Above | 185 | |
15 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Sound | $1,898Fees | 0.340%Above | 75 | |
16 | NATIONS DIRECT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $3,078Fees | 0.198%Above | 939 | |
17 | MORTGAGE EXPRESS, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $3,667Fees | 0.384%Above | 691 | |
18 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,889Fees | 0.437%Above | 324 | |
19 | PACIFIC RESIDENTIAL MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $4,927Fees | 0.371%Above | 293 | |
20 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,046Fees | 0.514%Above | 229 | |
21 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $4,632Fees | 0.377%Above | 149 | |
22 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Sound | Strong | $2,632Fees | 0.201%Above | 103 | |
23 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $4,008Fees | 0.293%Above | 91 | |
24 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $5,068Fees | 0.452%Above | 536 | |
25 | SUMMIT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Sound | Exceptional | $3,620Fees | 0.268%Above | 291 | |
26 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,335Fees | 0.187%Above | 276 | |
27 | ZILLOW HOME LOANS, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $4,237Fees | 0.101%Above | 230 | |
28 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $1,294Fees | 0.473%Above | 203 | |
29 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,715Fees | 0.506%Above | 175 | |
30 | Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,103Fees | 0.109%Above | 173 | |
31 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,953Fees | 0.233%Above | 170 | |
32 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,937Fees | 0.323%Above | 135 | |
33 | SCENIC OAKS FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,662Fees | 0.115%Above | 132 | |
34 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,168Fees | 0.159%Above | 112 | |
35 | CANOPY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $5,001Fees | 0.401%Above | 92 | |
36 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | $4,075Fees | 0.425%Above | 84 | |
37 | CLM MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $516Fees | 0.144%Above | 82 | |
38 | NMSI, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Sound | $926Fees | 0.057%Above | 53 | |
39 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | $4,461Fees | 0.451%Above | 403 | |
40 | NEWREZ LLCIndependent Mortgage Company | Sound | Acceptable | Sound | Strong | $2,755Fees | 0.284%Above | 348 | |
41 | EVERGREEN MONEYSOURCE MORTGAGE COMPANYIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | $4,754Fees | 0.548%Above | 262 | |
42 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Acceptable | Sound | Strong | $3,036Fees | 0.454%Above | 219 | |
43 | MASON MCDUFFIE MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Acceptable | Sound | Strong | $3,636Fees | 0.306%Above | 101 | |
44 | Synergy One Lending, Inc.Independent Mortgage Company | Sound | Acceptable | Strong | Sound | $5,377Fees | 0.250%Above | 69 | |
45 | Commerce Home Mortgage, Inc.Independent Mortgage Company | Sound | Acceptable | Strong | Sound | $4,347Fees | 0.350%Above | 67 | |
46 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Sound | Acceptable | Strong | Sound | $518Credit | 0.486%Above | 57 | |
47 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Sound | Acceptable | Strong | Sound | $4,459Fees | 0.106%Above | 55 | |
48 | Luminate Home Loans, Inc.Independent Mortgage Company | Sound | Mediocre | Strong | Strong | $5,809Fees | 0.575%Above | 146 | |
49 | ENVOY MORTGAGE, LTDIndependent Mortgage Company | Sound | Acceptable | Sound | Sound | $3,719Fees | 0.210%Above | 64 |
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.