Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | FBC MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Exceptional | Exceptional | Exceptional | Strong | $4,298Fees | 0.280%Above | 117 | |
2 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $3,170Fees | 0.169%Above | 7,468 | |
3 | FIRST COLONY MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Strong | $3,169Fees | 0.166%Above | 117 | |
4 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,000Fees | 0.111%Above | 585 | |
5 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,471Fees | 0.150%Above | 562 | |
6 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,572Fees | 0.043%Below | 539 | |
7 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,646Fees | 0.486%Above | 472 | |
8 | KIND LENDING, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $3,052Fees | 0.372%Above | 264 | |
9 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,417Fees | 0.479%Above | 142 | |
10 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,142Fees | 0.097%Above | 1,774 | |
11 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,922Fees | 0.468%Above | 817 | |
12 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $4,235Fees | 0.377%Above | 360 | |
13 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,391Fees | 0.260%Above | 334 | |
14 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $5,543Fees | 0.288%Above | 129 | |
15 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,946Fees | 0.369%Above | 114 | |
16 | RESICENTRAL, LLCIndependent Mortgage Company | Exceptional | Strong | Strong | Strong | Strong | $1,622Fees | 0.172%Above | 96 | |
17 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,050Fees | 0.197%Above | 3,925 | |
18 | OCMBC, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $3,713Fees | 0.519%Above | 1,452 | |
19 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,811Fees | 0.261%Above | 547 | |
20 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,872Fees | 0.239%Above | 376 | |
21 | SUN WEST MORTGAGE COMPANY, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $4,340Fees | 0.146%Above | 330 | |
22 | PLANET HOME LENDING, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,860Fees | 0.227%Above | 128 | |
23 | STG MORTGAGE INCIndependent Mortgage Company | Strong | Strong | Strong | Sound | Strong | $3,000Fees | 0.382%Above | 111 | |
24 | FRANKLIN LOAN CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | Exceptional | $3,498Fees | 0.459%Above | 595 | |
25 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,291Fees | 0.443%Above | 374 | |
26 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,075Fees | 0.182%Below | 182 | |
27 | JMAC LENDING, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $2,968Fees | 0.382%Above | 136 | |
28 | HOMEBRIDGE FINANCIAL SERVICES, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $3,105Fees | 0.393%Above | 129 | |
29 | RESIDENTIAL WHOLESALE MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $3,899Fees | 0.371%Above | 117 | |
30 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $3,491Fees | 0.432%Above | 92 | |
31 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,651Fees | 0.540%Above | 701 | |
32 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,162Fees | 0.204%Above | 356 | |
33 | GOLDEN EMPIRE MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Exceptional | Strong | $4,777Fees | 0.589%Above | 329 | |
34 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,544Fees | 0.362%Above | 276 | |
35 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,762Fees | 0.310%Above | 264 | |
36 | Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,987Fees | 0.256%Above | 219 | |
37 | GoodLeap, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $5,874Fees | 0.190%Below | 152 | |
38 | NATIONS DIRECT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,429Fees | 0.357%Above | 148 | |
39 | MORTGAGE SOLUTIONS OF COLORADO, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,376Fees | 0.475%Above | 129 | |
40 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,138Fees | 0.126%Above | 118 | |
41 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $3,612Fees | 0.542%Above | 260 | |
42 | ZILLOW HOME LOANS, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $3,151Fees | 0.256%Above | 220 | |
43 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $4,045Fees | 0.419%Above | 126 | |
44 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $5,706Fees | 0.620%Above | 218 | |
45 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $3,289Fees | 0.497%Above | 450 | |
46 | ML Mortgage Corp.Independent Mortgage Company | Sound | Mediocre | Strong | Sound | Exceptional | $4,544Fees | 0.610%Above | 333 | |
47 | FIRST NATIONS HOME FINANCE CORPORATIONIndependent Mortgage Company | Sound | Acceptable | Sound | Sound | Strong | $2,953Fees | 0.258%Above | 127 | |
48 | AXIA FINANCIAL, LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $3,602Fees | 0.310%Above | 93 | |
49 | Hometown Equity Mortgage, LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Sound | Strong | $2,722Fees | 0.464%Above | 222 | |
50 | AHL FUNDINGIndependent Mortgage Company | Sound | Mediocre | Sound | Strong | Strong | $5,223Fees | 0.607%Above | 219 |
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.