Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | PRIORITY HOME MORTGAGE, L.P.Independent Mortgage Company | Exceptional | Exceptional | Strong | Sound | Strong | $957Fees | 1.104%Below | 162 | |
2 | PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company | Exceptional | Exceptional | Exceptional | Sound | Sound | $1,107Fees | 0.199%Below | 75 | |
3 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,220Fees | 0.547%Below | 984 | |
4 | VELOCIO MORTGAGE L.L.C.Independent Mortgage Company | Exceptional | Strong | Strong | Sound | Exceptional | $1,333Fees | 1.089%Below | 682 | |
5 | PARKSTONE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Exceptional | Strong | Acceptable | Strong | $987Fees | 0.862%Below | 316 | |
6 | SOUTHERN LENDING SERVICES, LTD.Independent Mortgage Company | Exceptional | Exceptional | Sound | Sound | Strong | $1,895Fees | 0.730%Below | 76 | |
7 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,099Fees | 0.024%Below | 1,858 | |
8 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,208Fees | 0.420%Above | 1,717 | |
9 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,168Fees | 0.179%Below | 438 | |
10 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,604Fees | 0.086%Above | 115 | |
11 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,799Fees | 0.087%Above | 111 | |
12 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $2,013Fees | 0.264%Below | 228 | |
13 | V.I.P. MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,794Fees | 0.216%Above | 201 | |
14 | JET HOMELOANS, LPIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $1,606Fees | 0.789%Below | 77 | |
15 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,024Fees | 0.502%Above | 496 | |
16 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,104Fees | 0.025%Above | 491 | |
17 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,498Fees | 0.453%Above | 491 | |
18 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,671Fees | 0.073%Above | 489 | |
19 | PILGRIM MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $4,351Fees | 0.335%Above | 446 | |
20 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,447Fees | 0.167%Above | 350 | |
21 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $2,866Fees | 0.070%Above | 340 | |
22 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,639Fees | 0.290%Above | 281 | |
23 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,886Fees | 0.373%Above | 250 | |
24 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,813Fees | 0.515%Above | 211 | |
25 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,689Fees | 0.119%Above | 197 | |
26 | DAS Acquisition Company, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,957Fees | 0.384%Above | 185 | |
27 | SWBC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,095Fees | 0.336%Above | 167 | |
28 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $5,175Fees | 0.351%Above | 142 | |
29 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,809Fees | 0.140%Above | 141 | |
30 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,938Fees | 0.322%Above | 114 | |
31 | GoodLeap, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $2,770Fees | 0.393%Above | 91 | |
32 | LENDLO MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Exceptional | $2,474Fees | 0.857%Below | 567 | |
33 | M/I FINANCIAL, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $6,049Fees | 0.770%Below | 364 | |
34 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $2,179Fees | 0.775%Above | 348 | |
35 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $4,734Fees | 0.459%Above | 308 | |
36 | NEWREZ LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $2,834Fees | 0.320%Above | 270 | |
37 | MORTGAGE FINANCIAL SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $3,187Fees | 0.240%Above | 144 | |
38 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,073Fees | 0.482%Above | 76 | |
39 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,667Fees | 0.370%Above | 75 | |
40 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $2,183Fees | 0.588%Above | 744 | |
41 | GARDNER FINANCIAL SERVICES, LTD.Independent Mortgage Company | Strong | Mediocre | Strong | Strong | Exceptional | $4,958Fees | 0.330%Above | 649 | |
42 | RIGHT START MORTGAGE, INC.Independent Mortgage Company | Strong | Mediocre | Strong | Strong | Exceptional | $4,862Fees | 0.572%Above | 387 | |
43 | CLM MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $3,486Fees | 0.213%Above | 249 | |
44 | LOANPEOPLE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $5,050Fees | 0.210%Above | 159 | |
45 | SUMMIT FUNDING, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,608Fees | 0.517%Above | 126 | |
46 | ZILLOW HOME LOANS, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $3,669Fees | 0.378%Above | 124 | |
47 | Primis Mortgage CompanyIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $3,273Fees | 0.252%Above | 103 | |
48 | CRESTMARK MORTGAGE COMPANY, LTD.Independent Mortgage Company | Sound | Acceptable | Sound | Sound | Strong | $2,961Fees | 0.752%Below | 261 | |
49 | ROYAL UNITED MORTGAGE LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $4,409Fees | 1.591%Above | 94 | |
50 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $4,434Fees | 0.598%Above | 80 |
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.