Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,274Fees | 0.046%Below | 4,837 | |
2 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,368Fees | 0.133%Below | 315 | |
3 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $1,235Fees | 0.088%Below | 526 | |
4 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $2,930Fees | 0.169%Above | 54 | |
5 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,490Fees | 0.123%Above | 2,283 | |
6 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,329Fees | 0.080%Above | 408 | |
7 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,718Fees | 0.225%Above | 335 | |
8 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,740Fees | 0.185%Above | 165 | |
9 | RESICENTRAL, LLCIndependent Mortgage Company | Strong | Strong | Strong | Sound | Strong | $1,474Fees | 0.131%Above | 122 | |
10 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $1,782Fees | 0.155%Above | 341 | |
11 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,217Fees | 0.286%Above | 328 | |
12 | INTERCAP LENDING INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,930Fees | 0.191%Above | 142 | |
13 | HOMEBRIDGE FINANCIAL SERVICES, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $2,985Fees | 0.143%Above | 77 | |
14 | FIRST COLONY MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $1,442Fees | 0.072%Below | 58 | |
15 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,743Fees | 0.065%Above | 382 | |
16 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,339Fees | 0.059%Above | 369 | |
17 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,585Fees | 0.251%Above | 216 | |
18 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,554Fees | 0.203%Above | 202 | |
19 | Synergy One Lending, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,339Fees | 0.445%Above | 175 | |
20 | OCMBC, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,789Fees | 0.457%Above | 168 | |
21 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,270Fees | 0.263%Above | 160 | |
22 | Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,911Fees | 0.045%Above | 147 | |
23 | ZILLOW HOME LOANS, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,843Fees | 0.164%Above | 128 | |
24 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,476Fees | 0.238%Above | 121 | |
25 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,385Fees | 0.248%Above | 118 | |
26 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,484Fees | 0.254%Above | 105 | |
27 | STG MORTGAGE INCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $1,221Fees | 0.063%Above | 81 | |
28 | Hometown Equity Mortgage, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $3,111Fees | 0.515%Above | 81 | |
29 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,745Fees | 0.363%Above | 1,029 | |
30 | POINT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $2,002Fees | 0.050%Below | 207 | |
31 | RESIDENTIAL WHOLESALE MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $2,336Fees | 0.157%Above | 161 | |
32 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,673Fees | 0.425%Above | 155 | |
33 | GOLDEN EMPIRE MORTGAGE, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,736Fees | 0.170%Above | 109 | |
34 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,029Fees | 0.235%Above | 81 | |
35 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $5,904Fees | 0.426%Above | 78 | |
36 | NP, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $4,862Fees | 0.861%Above | 67 | |
37 | SUN WEST MORTGAGE COMPANY, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,952Fees | 0.115%Above | 61 | |
38 | MORTGAGEONE, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $3,338Fees | 0.276%Above | 58 | |
39 | Luminate Home Loans, Inc.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,766Fees | 0.514%Above | 137 | |
40 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $2,836Fees | 0.152%Above | 116 | |
41 | AXIA FINANCIAL, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $2,157Fees | 0.101%Above | 67 | |
42 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $1,873Fees | 0.063%Below | 50 | |
43 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $3,685Fees | 0.448%Above | 186 | |
44 | Cornerstone First Mortgage, IncIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $4,117Fees | 0.248%Above | 72 |
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.