Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | FBC MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | $4,298Fees | 0.280%Above | 117 | |
2 | PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company | Exceptional | Exceptional | Sound | Strong | $1,476Fees | 0.117%Below | 109 | |
3 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $3,170Fees | 0.169%Above | 7,468 | |
4 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | $3,142Fees | 0.097%Above | 1,774 | |
5 | FIRST COLONY MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | $3,169Fees | 0.166%Above | 117 | |
6 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | $2,946Fees | 0.369%Above | 114 | |
7 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $4,050Fees | 0.197%Above | 3,925 | |
8 | FRANKLIN LOAN CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,498Fees | 0.459%Above | 595 | |
9 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $2,000Fees | 0.111%Above | 585 | |
10 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | $2,471Fees | 0.150%Above | 562 | |
11 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Strong | $2,572Fees | 0.043%Below | 539 | |
12 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | $1,417Fees | 0.479%Above | 142 | |
13 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $3,138Fees | 0.126%Above | 118 | |
14 | OCMBC, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $3,713Fees | 0.519%Above | 1,452 | |
15 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $3,922Fees | 0.468%Above | 817 | |
16 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $4,291Fees | 0.443%Above | 374 | |
17 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $4,235Fees | 0.377%Above | 360 | |
18 | NMSI, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,237Fees | 0.307%Above | 358 | |
19 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,391Fees | 0.260%Above | 334 | |
20 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $4,544Fees | 0.362%Above | 276 | |
21 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $4,075Fees | 0.182%Below | 182 | |
22 | GoodLeap, LLCIndependent Mortgage Company | Strong | Sound | Sound | Strong | $5,874Fees | 0.190%Below | 152 | |
23 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $5,543Fees | 0.288%Above | 129 | |
24 | PLANET HOME LENDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,860Fees | 0.227%Above | 128 | |
25 | STG MORTGAGE INCIndependent Mortgage Company | Strong | Sound | Sound | Strong | $3,000Fees | 0.382%Above | 111 | |
26 | RESICENTRAL, LLCIndependent Mortgage Company | Strong | Sound | Sound | Strong | $1,622Fees | 0.172%Above | 96 | |
27 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $4,651Fees | 0.540%Above | 701 | |
28 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,811Fees | 0.261%Above | 547 | |
29 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $1,646Fees | 0.486%Above | 472 | |
30 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,162Fees | 0.204%Above | 356 | |
31 | SUN WEST MORTGAGE COMPANY, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $4,340Fees | 0.146%Above | 330 | |
32 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,052Fees | 0.372%Above | 264 | |
33 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,762Fees | 0.310%Above | 264 | |
34 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,612Fees | 0.542%Above | 260 | |
35 | ZILLOW HOME LOANS, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,151Fees | 0.256%Above | 220 | |
36 | Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,987Fees | 0.256%Above | 219 | |
37 | BAY-VALLEY MORTGAGE GROUPIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $5,184Fees | 0.443%Above | 193 | |
38 | AAA CAPITAL INVESTMENT, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,519Fees | 0.399%Above | 173 | |
39 | NATIONS DIRECT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,429Fees | 0.357%Above | 148 | |
40 | MORTGAGE SOLUTIONS OF COLORADO, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $4,376Fees | 0.475%Above | 129 | |
41 | Commerce Home Mortgage, Inc.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $4,377Fees | 0.521%Above | 123 | |
42 | RESIDENTIAL WHOLESALE MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,899Fees | 0.371%Above | 117 | |
43 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Acceptable | Sound | Strong | $3,289Fees | 0.497%Above | 450 | |
44 | NEWREZ LLCIndependent Mortgage Company | Sound | Acceptable | Sound | Strong | $2,872Fees | 0.239%Above | 376 | |
45 | Hometown Equity Mortgage, LLCIndependent Mortgage Company | Sound | Acceptable | Sound | Strong | $2,722Fees | 0.464%Above | 222 | |
46 | JMAC LENDING, INC.Independent Mortgage Company | Sound | Acceptable | Sound | Strong | $2,968Fees | 0.382%Above | 136 | |
47 | HOMEBRIDGE FINANCIAL SERVICES, INC.Independent Mortgage Company | Sound | Acceptable | Sound | Strong | $3,105Fees | 0.393%Above | 129 | |
48 | FIRST NATIONS HOME FINANCE CORPORATIONIndependent Mortgage Company | Sound | Acceptable | Sound | Strong | $2,953Fees | 0.258%Above | 127 | |
49 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Sound | Acceptable | Sound | Strong | $4,045Fees | 0.419%Above | 126 | |
50 | ONY GLO, INC.Independent Mortgage Company | Sound | Acceptable | Sound | Strong | $3,504Fees | 0.395%Above | 125 |
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.