Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,162Fees | 0.113%Above | 2,496 | |
2 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,201Fees | 0.009%Above | 192 | |
3 | RESIDENTIAL MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Strong | Exceptional | Strong | $3,783Fees | 0.022%Below | 62 | |
4 | NATIONS DIRECT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,078Fees | 0.198%Above | 939 | |
5 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $2,083Fees | 0.075%Above | 347 | |
6 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $1,898Fees | 0.340%Above | 75 | |
7 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $4,459Fees | 0.106%Above | 55 | |
8 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,131Fees | 0.122%Above | 1,243 | |
9 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,753Fees | 0.392%Above | 640 | |
10 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,335Fees | 0.187%Above | 276 | |
11 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,559Fees | 0.092%Above | 231 | |
12 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,937Fees | 0.323%Above | 135 | |
13 | CLM MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Strong | Exceptional | Strong | $516Fees | 0.144%Above | 82 | |
14 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,500Fees | 0.248%Above | 1,873 | |
15 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,745Fees | 0.202%Above | 886 | |
16 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $2,755Fees | 0.284%Above | 348 | |
17 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,046Fees | 0.514%Above | 229 | |
18 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,632Fees | 0.377%Above | 149 | |
19 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,008Fees | 0.293%Above | 91 | |
20 | MORTGAGE EXPRESS, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $3,667Fees | 0.384%Above | 691 | |
21 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,400Fees | 0.145%Above | 489 | |
22 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,889Fees | 0.437%Above | 324 | |
23 | PACIFIC RESIDENTIAL MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $4,927Fees | 0.371%Above | 293 | |
24 | SUMMIT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $3,620Fees | 0.268%Above | 291 | |
25 | ZILLOW HOME LOANS, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,237Fees | 0.101%Above | 230 | |
26 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,290Fees | 0.099%Above | 185 | |
27 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,715Fees | 0.506%Above | 175 | |
28 | Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,103Fees | 0.109%Above | 173 | |
29 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,953Fees | 0.233%Above | 170 | |
30 | CANOPY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $5,001Fees | 0.401%Above | 92 | |
31 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,461Fees | 0.451%Above | 403 | |
32 | EVERGREEN MONEYSOURCE MORTGAGE COMPANYIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,754Fees | 0.548%Above | 262 | |
33 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $1,294Fees | 0.473%Above | 203 | |
34 | SCENIC OAKS FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $2,662Fees | 0.115%Above | 132 | |
35 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $2,632Fees | 0.201%Above | 103 | |
36 | MASON MCDUFFIE MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $3,636Fees | 0.306%Above | 101 | |
37 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $4,075Fees | 0.425%Above | 84 | |
38 | Synergy One Lending, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $5,377Fees | 0.250%Above | 69 | |
39 | Commerce Home Mortgage, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $4,347Fees | 0.350%Above | 67 | |
40 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $518Credit | 0.486%Above | 57 | |
41 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $5,068Fees | 0.452%Above | 536 | |
42 | Luminate Home Loans, Inc.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $5,809Fees | 0.575%Above | 146 | |
43 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,168Fees | 0.159%Above | 112 | |
44 | PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,076Fees | 0.285%Above | 96 | |
45 | PREMIER MORTGAGE RESOURCES, L.L.C.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,404Fees | 0.452%Above | 82 | |
46 | ENVOY MORTGAGE, LTDIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $3,719Fees | 0.210%Above | 64 | |
47 | GENEVA FINANCIAL, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Sound | $6,614Fees | 0.710%Above | 60 | |
48 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $3,036Fees | 0.454%Above | 219 | |
49 | PANORAMA MORTGAGE GROUP, LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $4,942Fees | 0.461%Above | 126 |
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.