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 | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,220Fees | 0.155%Above | 551 | |
2 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,571Fees | 0.117%Above | 458 | |
3 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,104Fees | 0.203%Above | 96 | |
4 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,889Fees | 0.520%Above | 776 | |
5 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $5,309Fees | 0.531%Above | 286 | |
6 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $3,079Fees | 0.035%Above | 125 | |
7 | GREATER NEVADA LLCIndependent Mortgage Company | Strong | Sound | Sound | Strong | Exceptional | $2,149Fees | 0.428%Below | 102 | |
8 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Strong | Strong | Sound | Sound | $1,698Fees | 0.031%Below | 33 | |
9 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $3,453Fees | 0.218%Above | 18 | |
10 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,282Fees | 0.321%Above | 121 | |
11 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $5,340Fees | 0.317%Above | 89 | |
12 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,038Fees | 0.082%Above | 81 | |
13 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,049Fees | 0.357%Above | 68 | |
14 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $3,420Fees | 0.176%Below | 59 | |
15 | MLD MORTGAGE INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Sound | $2,978Fees | 0.228%Above | 14 | |
16 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $4,601Fees | 0.397%Above | 101 | |
17 | CANOPY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $4,454Fees | 0.240%Above | 75 | |
18 | MASON MCDUFFIE MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $3,542Fees | 0.390%Above | 45 | |
19 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $4,711Fees | 0.135%Above | 43 | |
20 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $5,822Fees | 0.531%Above | 41 | |
21 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $4,939Fees | 0.951%Above | 38 | |
22 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,445Fees | 0.149%Above | 37 | |
23 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $402Fees | 0.064%Above | 34 | |
24 | FIRST COLONY MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,813Fees | 0.115%Below | 27 | |
25 | GoodLeap, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Sound | $3,725Fees | 0.556%Below | 27 | |
26 | Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $1,850Fees | 0.199%Above | 25 | |
27 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,053Fees | 0.317%Above | 19 | |
28 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,598Fees | 0.763%Above | 15 | |
29 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,411Fees | 0.194%Above | 13 | |
30 | INFINITY EQUITY GROUP, INC.Independent Mortgage Company | Strong | Mediocre | Strong | Strong | Exceptional | $3,675Fees | 0.560%Above | 102 | |
31 | SUMMIT FUNDING, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $6,177Fees | 0.666%Above | 99 | |
32 | EVERGREEN MONEYSOURCE MORTGAGE COMPANYIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,598Fees | 0.308%Above | 49 | |
33 | PLANET HOME LENDING, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Sound | $3,384Fees | 0.361%Above | 28 | |
34 | NEWREZ LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $2,366Fees | 0.382%Above | 24 | |
35 | AXIA FINANCIAL, LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $5,590Fees | 0.476%Above | 84 | |
36 | PREMIER MORTGAGE RESOURCES, L.L.C.Independent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $3,452Fees | 0.162%Above | 34 | |
37 | PEAK RESIDENTIAL LENDING INCIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $5,428Fees | 0.278%Above | 31 | |
38 | Luminate Home Loans, Inc.Independent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $3,779Fees | 0.505%Above | 30 | |
39 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $5,368Fees | 0.328%Above | 25 | |
40 | TJC Mortgage, Inc.Independent Mortgage Company | Sound | Mediocre | Strong | Sound | Strong | $4,490Fees | 0.289%Above | 75 | |
41 | ISERVE RESIDENTIAL LENDING, LLCIndependent Mortgage Company | Sound | Mediocre | Sound | Sound | Strong | $5,245Fees | 0.576%Above | 67 | |
42 | Cornerstone First Mortgage, IncIndependent Mortgage Company | Sound | Mediocre | Strong | Sound | Sound | $5,688Fees | 0.350%Above | 22 | |
43 | OCMBC, INC.Independent Mortgage Company | Sound | Mediocre | Strong | Sound | Sound | $3,958Fees | 0.523%Above | 14 | |
44 | AMERISAVE MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Strong | Acceptable | Sound | $4,170Fees | 0.505%Above | 16 | |
45 | HOMEXPRESS MORTGAGE CORP.Independent Mortgage Company | Sound | Mediocre | Strong | Acceptable | Sound | $5,535Fees | 1.235%Above | 15 |
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.