Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company | Exceptional | Exceptional | Exceptional | Sound | Sound | $2,766Fees | 0.138%Above | 26 | |
2 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,745Fees | 0.159%Above | 282 | |
3 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,456Fees | 0.047%Above | 262 | |
4 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $5,189Fees | 0.166%Above | 69 | |
5 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,873Fees | 0.163%Above | 60 | |
6 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,796Fees | 0.352%Above | 389 | |
7 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $2,553Fees | 0.183%Above | 60 | |
8 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $4,712Fees | 0.122%Above | 24 | |
9 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,727Fees | 0.085%Above | 13 | |
10 | NATIONS DIRECT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $3,349Fees | 0.275%Above | 162 | |
11 | Synergy One Lending, Inc.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $4,899Fees | 0.266%Above | 145 | |
12 | MORTGAGE EXPRESS, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $4,043Fees | 0.492%Above | 88 | |
13 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,531Fees | 0.622%Above | 78 | |
14 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,691Fees | 0.088%Above | 71 | |
15 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $2,768Fees | 0.065%Below | 66 | |
16 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $5,027Fees | 0.484%Above | 62 | |
17 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $5,383Fees | 0.414%Above | 58 | |
18 | Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,425Fees | 0.069%Above | 52 | |
19 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $5,109Fees | 0.481%Above | 41 | |
20 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,264Fees | 0.227%Above | 39 | |
21 | NEWREZ LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $3,266Fees | 0.236%Above | 102 | |
22 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,552Fees | 0.213%Above | 34 | |
23 | RESICENTRAL, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Sound | $2,591Fees | 0.082%Above | 27 | |
24 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,274Fees | 0.303%Above | 26 | |
25 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $329Credit | 0.362%Above | 24 | |
26 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,458Fees | 0.592%Above | 21 | |
27 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $4,368Fees | 0.308%Above | 20 | |
28 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,612Fees | 0.270%Above | 14 | |
29 | GoodLeap, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Sound | $5,821Fees | 0.527%Below | 12 | |
30 | CHURCHILL MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,848Fees | 0.494%Above | 46 | |
31 | EVERGREEN MONEYSOURCE MORTGAGE COMPANYIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,352Fees | 0.666%Above | 44 | |
32 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $3,856Fees | 0.753%Above | 22 | |
33 | CANOPY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $5,499Fees | 0.457%Above | 22 | |
34 | MASON MCDUFFIE MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Sound | $2,295Fees | 0.341%Above | 12 | |
35 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Acceptable | $3,038Fees | 0.335%Above | 10 | |
36 | LPMC, LLCIndependent Mortgage Company | Sound | Mediocre | Sound | Strong | Exceptional | $3,516Fees | 0.393%Above | 85 | |
37 | PACIFIC RESIDENTIAL MORTGAGE, LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $5,750Fees | 0.382%Above | 34 | |
38 | SUMMIT FUNDING, INC.Independent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $6,886Fees | 0.820%Above | 21 | |
39 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $5,958Fees | 0.515%Above | 17 | |
40 | ENVOY MORTGAGE, LTDIndependent Mortgage Company | Sound | Acceptable | Strong | Sound | Sound | $3,343Fees | 0.457%Above | 11 | |
41 | SUCCESS MORTGAGE PARTNERS, INC.Independent Mortgage Company | Sound | Mediocre | Strong | Sound | Sound | $6,473Fees | 0.482%Above | 23 | |
42 | PANORAMA MORTGAGE GROUP, LLCIndependent Mortgage Company | Sound | Mediocre | Sound | Acceptable | Strong | $6,734Fees | 0.434%Above | 47 |
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.