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 | Strong | Exceptional | Exceptional | Exceptional | $2,274Fees | 0.046%Below | 4,837 | |
2 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,235Fees | 0.088%Below | 526 | |
3 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,743Fees | 0.065%Above | 382 | |
4 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,368Fees | 0.133%Below | 315 | |
5 | KIND LENDING, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,740Fees | 0.185%Above | 165 | |
6 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,476Fees | 0.238%Above | 121 | |
7 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,385Fees | 0.248%Above | 118 | |
8 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,855Fees | 0.137%Above | 99 | |
9 | FIRST COLONY MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Sound | $1,442Fees | 0.072%Below | 58 | |
10 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,339Fees | 0.059%Above | 369 | |
11 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,270Fees | 0.263%Above | 160 | |
12 | INTERCAP LENDING INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,930Fees | 0.191%Above | 142 | |
13 | RESICENTRAL, LLCIndependent Mortgage Company | Exceptional | Strong | Strong | Strong | Strong | $1,474Fees | 0.131%Above | 122 | |
14 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,490Fees | 0.123%Above | 2,283 | |
15 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,329Fees | 0.080%Above | 408 | |
16 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,782Fees | 0.155%Above | 341 | |
17 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,718Fees | 0.225%Above | 335 | |
18 | POINT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | Strong | $2,002Fees | 0.050%Below | 207 | |
19 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,484Fees | 0.254%Above | 105 | |
20 | STG MORTGAGE INCIndependent Mortgage Company | Strong | Strong | Strong | Sound | Strong | $1,221Fees | 0.063%Above | 81 | |
21 | OriginPoint, LLCIndependent Mortgage Company | Strong | Strong | Strong | Strong | Sound | $2,222Fees | 0.185%Above | 60 | |
22 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | Sound | $4,297Fees | 0.334%Above | 59 | |
23 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Exceptional | Sound | $2,930Fees | 0.169%Above | 54 | |
24 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,745Fees | 0.363%Above | 1,029 | |
25 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,217Fees | 0.286%Above | 328 | |
26 | OCMBC, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $3,789Fees | 0.457%Above | 168 | |
27 | RESIDENTIAL WHOLESALE MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $2,336Fees | 0.157%Above | 161 | |
28 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,029Fees | 0.235%Above | 81 | |
29 | HOMEBRIDGE FINANCIAL SERVICES, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $2,985Fees | 0.143%Above | 77 | |
30 | SUN WEST MORTGAGE COMPANY, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $3,952Fees | 0.115%Above | 61 | |
31 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $1,873Fees | 0.063%Below | 50 | |
32 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,585Fees | 0.251%Above | 216 | |
33 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,554Fees | 0.203%Above | 202 | |
34 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,477Fees | 0.593%Above | 185 | |
35 | Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,911Fees | 0.045%Above | 147 | |
36 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,836Fees | 0.152%Above | 116 | |
37 | GOLDEN EMPIRE MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Exceptional | Strong | $4,736Fees | 0.170%Above | 109 | |
38 | FRANKLIN LOAN CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | Strong | $3,256Fees | 0.477%Above | 64 | |
39 | MORTGAGEONE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,338Fees | 0.276%Above | 58 | |
40 | Synergy One Lending, Inc.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $3,339Fees | 0.445%Above | 175 | |
41 | ZILLOW HOME LOANS, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $2,843Fees | 0.164%Above | 128 | |
42 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $5,904Fees | 0.426%Above | 78 | |
43 | NP, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $4,862Fees | 0.861%Above | 67 | |
44 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,673Fees | 0.425%Above | 155 | |
45 | JMJ FINANCIAL GROUPIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $4,220Fees | 0.230%Above | 64 | |
46 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $3,685Fees | 0.448%Above | 186 | |
47 | Luminate Home Loans, Inc.Independent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $3,766Fees | 0.514%Above | 137 | |
48 | Cornerstone First Mortgage, IncIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $4,117Fees | 0.248%Above | 72 | |
49 | AXIA FINANCIAL, LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $2,157Fees | 0.101%Above | 67 | |
50 | Hometown Equity Mortgage, LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Sound | Strong | $3,111Fees | 0.515%Above | 81 |
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.