Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,471Fees | 0.150%Above | 562 | |
2 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,170Fees | 0.169%Above | 7,468 | |
3 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,050Fees | 0.197%Above | 3,925 | |
4 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Exceptional | $3,142Fees | 0.097%Above | 1,774 | |
5 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,000Fees | 0.111%Above | 585 | |
6 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $4,235Fees | 0.377%Above | 360 | |
7 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,391Fees | 0.260%Above | 334 | |
8 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $5,543Fees | 0.288%Above | 129 | |
9 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $1,646Fees | 0.486%Above | 472 | |
10 | NMSI, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,237Fees | 0.307%Above | 358 | |
11 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Exceptional | $3,922Fees | 0.468%Above | 817 | |
12 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,651Fees | 0.540%Above | 701 | |
13 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,811Fees | 0.261%Above | 547 | |
14 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,291Fees | 0.443%Above | 374 | |
15 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,544Fees | 0.362%Above | 276 | |
16 | FRANKLIN LOAN CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Strong | Exceptional | Exceptional | $3,498Fees | 0.459%Above | 595 | |
17 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $3,289Fees | 0.497%Above | 450 | |
18 | NEWREZ LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $2,872Fees | 0.239%Above | 376 | |
19 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,134Fees | 0.340%Above | 102 | |
20 | OCMBC, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Sound | Exceptional | $3,713Fees | 0.519%Above | 1,452 | |
21 | EMET LENDING GROUP, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $5,671Fees | 1.102%Above | 286 | |
22 | NEW WAVE LENDING GROUP INCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,869Fees | 0.679%Above | 257 | |
23 | Hometown Equity Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $2,722Fees | 0.464%Above | 222 | |
24 | NFM, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,075Fees | 0.182%Below | 182 | |
25 | ONY GLO, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $3,504Fees | 0.395%Above | 125 | |
26 | Citadel Servicing CorporationIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,505Fees | 1.755%Above | 95 | |
27 | ROYAL PACIFIC FUNDING CORP.Independent Mortgage Company | Sound | Mediocre | Strong | Sound | Exceptional | $4,529Fees | 0.599%Above | 339 | |
28 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $5,706Fees | 0.620%Above | 218 | |
29 | AAA CAPITAL INVESTMENT, INC.Independent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $3,519Fees | 0.399%Above | 173 | |
30 | Commerce Home Mortgage, Inc.Independent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $4,377Fees | 0.521%Above | 123 | |
31 | JMAC LENDING, INC.Independent Mortgage Company | Sound | Mediocre | Strong | Sound | Strong | $2,968Fees | 0.382%Above | 136 | |
32 | MK LENDING CORP.Independent Mortgage Company | Sound | Mediocre | Strong | Sound | Strong | $4,541Fees | 0.641%Above | 136 | |
33 | FlexPoint, Inc.Independent Mortgage Company | Sound | Mediocre | Strong | Sound | Strong | $4,503Fees | 0.643%Above | 135 | |
34 | HOMEBRIDGE FINANCIAL SERVICES, INC.Independent Mortgage Company | Sound | Mediocre | Strong | Sound | Strong | $3,105Fees | 0.393%Above | 129 | |
35 | AMERITRUST MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Strong | Sound | Strong | $3,388Fees | 0.587%Above | 106 |
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.