Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | BAYCOAST MORTGAGE COMPANY, LLCIndependent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,145Fees | 0.031%Below | 585 | |
2 | The Washington Trust Company, of WesterlyBank | Exceptional | Exceptional | Strong | Sound | Exceptional | $1,544Fees | 0.186%Below | 408 | |
3 | Leader Bank, National AssociationBank | Exceptional | Exceptional | Strong | Strong | Strong | $922Fees | 0.023%Below | 213 | |
4 | Centreville BankBank | Exceptional | Exceptional | — | Strong | Exceptional | $862Fees | 0.375%Below | 208 | |
5 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,870Fees | 0.264%Above | 883 | |
6 | Fall River Five Cents Savings BankBank | Exceptional | Strong | Strong | Strong | Exceptional | $1,201Fees | 0.067%Above | 260 | |
7 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,704Fees | 0.379%Above | 168 | |
8 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,676Fees | 0.471%Above | 359 | |
9 | Citizens Bank, National AssociationBank | Exceptional | Strong | Strong | Sound | Exceptional | $1,822Fees | 0.039%Above | 279 | |
10 | Northpointe BankBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,505Fees | 0.306%Above | 216 | |
11 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $1,364Fees | 0.115%Above | 125 | |
12 | AMERANT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Strong | Strong | Strong | $2,627Fees | 0.253%Above | 82 | |
13 | Eastern BankBank | Exceptional | Exceptional | Sound | Sound | Strong | $1,453Fees | 0.002%Below | 49 | |
14 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,806Fees | 0.279%Above | 890 | |
15 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,405Fees | 0.636%Above | 567 | |
16 | EMM LOANS LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,032Fees | 0.406%Above | 108 | |
17 | NATIONS DIRECT MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,541Fees | 0.554%Above | 55 | |
18 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,524Fees | 0.331%Above | 891 | |
19 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,857Fees | 0.305%Above | 714 | |
20 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,090Fees | 0.505%Above | 539 | |
21 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,584Fees | 0.334%Above | 241 | |
22 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $3,033Fees | 0.413%Above | 156 | |
23 | HARBORONE MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $2,558Fees | 0.202%Above | 150 | |
24 | Rockland Trust CompanyBank | Strong | Strong | Sound | Sound | Strong | $1,244Fees | 0.036%Above | 73 | |
25 | NORTHPOINT MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $3,227Fees | 0.338%Above | 47 | |
26 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,367Fees | 0.316%Above | 284 | |
27 | TOTAL MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $5,336Fees | 0.614%Above | 256 | |
28 | PROVINCE MORTGAGE ASSOCIATES, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $3,400Fees | 0.463%Above | 245 | |
29 | BankNewportBank | Strong | Sound | — | Sound | Exceptional | $1,164Fees | 0.162%Above | 179 | |
30 | Home Loan Investment Bank, F.S.B.Bank | Strong | Sound | Sound | Sound | Exceptional | $2,443Fees | 0.245%Above | 149 | |
31 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,665Fees | 0.649%Above | 124 | |
32 | EMBRACE HOME LOANS, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,946Fees | 0.303%Above | 103 | |
33 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,338Fees | 0.485%Above | 77 | |
34 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,443Credit | 0.520%Above | 72 | |
35 | PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $5,312Fees | 0.567%Above | 456 | |
36 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,239Fees | 0.457%Above | 314 | |
37 | SEMPER HOME LOANS, INCIndependent Mortgage Company | Strong | Mediocre | Strong | Exceptional | Exceptional | $5,702Fees | 0.517%Above | 267 | |
38 | FIRST HOME MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $6,077Fees | 0.533%Above | 109 | |
39 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $2,700Fees | 0.008%Above | 83 | |
40 | Waterstone Mortgage CorporationIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $5,651Fees | 0.360%Above | 74 | |
41 | Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $4,253Fees | 0.482%Above | 53 | |
42 | HOMESPIRE MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $6,053Fees | 0.437%Above | 47 | |
43 | OCMBC, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $4,560Fees | 0.665%Above | 37 | |
44 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,496Fees | 0.479%Above | 33 | |
45 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,760Fees | 0.163%Above | 33 | |
46 | MORTGAGE EQUITY PARTNERS LLCIndependent Mortgage Company | Strong | Mediocre | Strong | Strong | Exceptional | $3,327Fees | 0.411%Above | 197 | |
47 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,257Fees | 0.488%Above | 97 | |
48 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,126Fees | 0.374%Above | 89 | |
49 | The Federal Savings BankBank | Strong | Acceptable | Exceptional | Sound | Sound | $3,105Fees | 0.185%Above | 45 | |
50 | AMERISAVE MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $6,434Fees | 0.904%Above | 34 |
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.