Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | BAYCOAST MORTGAGE COMPANY, LLCIndependent Mortgage Company | Exceptional | Strong | Strong | Exceptional | $989Fees | 0.041%Below | 305 | |
2 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $3,108Fees | 0.191%Above | 343 | |
3 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $2,501Fees | 0.334%Above | 784 | |
4 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $4,958Fees | 0.283%Above | 592 | |
5 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $4,361Fees | 0.641%Above | 522 | |
6 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $2,931Fees | 0.550%Above | 386 | |
7 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $2,589Fees | 0.309%Above | 366 | |
8 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $4,089Fees | 0.498%Above | 200 | |
9 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | $2,410Fees | 0.296%Above | 138 | |
10 | HARBORONE MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $2,646Fees | 0.242%Above | 106 | |
11 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Strong | $3,049Fees | 0.627%Above | 82 | |
12 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $1,424Fees | 0.045%Above | 75 | |
13 | PROVINCE MORTGAGE ASSOCIATES, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $3,487Fees | 0.458%Above | 220 | |
14 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,200Fees | 0.252%Above | 94 | |
15 | HOMESPIRE MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $6,053Fees | 0.437%Above | 47 | |
16 | WASHINGTON TRUST MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Sound | Sound | Strong | $1,610Fees | 0.107%Above | 42 | |
17 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,377Fees | 0.442%Above | 185 | |
18 | MORTGAGE EQUITY PARTNERS LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,341Fees | 0.399%Above | 150 | |
19 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $4,822Fees | 0.634%Above | 112 | |
20 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,141Fees | 0.584%Above | 94 | |
21 | EMBRACE HOME LOANS, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,821Fees | 0.311%Above | 83 | |
22 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Sound | Sound | $2,049Fees | 0.090%Below | 43 | |
23 | PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company | Sound | Mediocre | Strong | Exceptional | $5,342Fees | 0.568%Above | 423 | |
24 | SEMPER HOME LOANS, INCIndependent Mortgage Company | Sound | Mediocre | Strong | Exceptional | $5,685Fees | 0.519%Above | 252 | |
25 | TOTAL MORTGAGE SERVICES, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | $5,623Fees | 0.604%Above | 156 | |
26 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Acceptable | Sound | Strong | $4,415Fees | 0.422%Above | 112 | |
27 | NEWREZ LLCIndependent Mortgage Company | Sound | Acceptable | Sound | Strong | $3,143Fees | 0.417%Above | 110 | |
28 | FIRST HOME MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | $6,144Fees | 0.655%Above | 58 | |
29 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Sound | Acceptable | Strong | Sound | $4,224Fees | 0.431%Above | 55 | |
30 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Sound | Acceptable | Strong | Sound | $4,508Fees | 0.488%Above | 53 | |
31 | Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company | Sound | Acceptable | Strong | Sound | $4,264Fees | 0.559%Above | 46 | |
32 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Sound | Acceptable | Strong | Sound | $1,088Credit | 0.614%Above | 44 | |
33 | NATIONS DIRECT MORTGAGE, LLCIndependent Mortgage Company | Sound | Acceptable | Strong | Sound | $2,689Fees | 0.527%Above | 40 | |
34 | NORTHPOINT MORTGAGE, INC.Independent Mortgage Company | Sound | Acceptable | Strong | Sound | $3,186Fees | 0.413%Above | 32 | |
35 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | $4,234Fees | 0.398%Above | 71 | |
36 | Waterstone Mortgage CorporationIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | $5,428Fees | 0.337%Above | 58 | |
37 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Sound | Acceptable | Sound | Sound | $6,083Fees | 0.424%Above | 29 | |
38 | ARC HOME LLCIndependent Mortgage Company | Sound | Mediocre | Sound | Sound | $5,625Fees | 1.083%Above | 22 | |
39 | AMERISAVE MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Acceptable | Sound | $6,434Fees | 0.904%Above | 28 |
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.