Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | First Heritage Mortgage, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,577Fees | 0.146%Above | 1,089 | |
2 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,633Fees | 0.177%Below | 1,553 | |
3 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,247Fees | 0.026%Above | 1,302 | |
4 | American Security Mortgage Corp.Independent Mortgage Company | Exceptional | Strong | Strong | Strong | Strong | $2,041Fees | 0.138%Above | 242 | |
5 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,996Fees | 0.306%Above | 5,799 | |
6 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,852Fees | 0.090%Above | 3,809 | |
7 | ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,164Fees | 0.452%Above | 838 | |
8 | RESOURCE FINANCIAL SERVICES, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $2,429Fees | 0.304%Above | 695 | |
9 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,255Fees | 0.377%Above | 467 | |
10 | VELOCIO MORTGAGE L.L.C.Independent Mortgage Company | Strong | Strong | Strong | Sound | Strong | $871Fees | 0.932%Below | 399 | |
11 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Strong | Strong | Sound | Strong | $3,169Fees | 0.168%Above | 305 | |
12 | Atlantic Coast Mortgage, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,899Fees | 0.320%Above | 256 | |
13 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,890Fees | 0.484%Above | 189 | |
14 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,380Fees | 0.337%Above | 3,120 | |
15 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,166Fees | 0.363%Above | 1,879 | |
16 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,889Fees | 0.218%Above | 1,294 | |
17 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,602Fees | 0.538%Above | 1,294 | |
18 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,369Fees | 0.525%Above | 1,062 | |
19 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Sound | Exceptional | $2,197Fees | 0.153%Above | 1,011 | |
20 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,090Fees | 0.491%Above | 929 | |
21 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,554Fees | 0.347%Above | 814 | |
22 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,464Fees | 0.270%Above | 782 | |
23 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $1,798Fees | 0.017%Above | 560 | |
24 | JET HOMELOANS, LPIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $2,856Fees | 0.026%Below | 250 | |
25 | DELMAR FINANCIAL COMPANYIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $2,572Fees | 0.286%Above | 216 | |
26 | Alcova Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,512Fees | 0.427%Above | 200 | |
27 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,265Fees | 0.458%Above | 476 | |
28 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,462Fees | 0.632%Above | 468 | |
29 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,026Fees | 0.589%Above | 462 | |
30 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,459Fees | 0.207%Above | 311 | |
31 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,633Fees | 0.582%Above | 270 | |
32 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,617Fees | 0.378%Above | 253 | |
33 | GoodLeap, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $4,059Fees | 0.015%Above | 164 | |
34 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Exceptional | $2,931Fees | 0.566%Above | 1,646 | |
35 | FBC MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Exceptional | $1,259Fees | 0.629%Below | 931 | |
36 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $3,072Fees | 0.595%Above | 622 | |
37 | NEWREZ LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $2,529Fees | 0.438%Above | 510 | |
38 | CAROLINA ONE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Exceptional | $3,094Fees | 0.237%Above | 470 | |
39 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $2,812Fees | 0.316%Above | 424 | |
40 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $2,542Fees | 0.255%Above | 285 | |
41 | Assurance Financial Group, L.L.C.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $2,672Fees | 0.434%Above | 229 | |
42 | TIDEWATER MORTGAGE SERVICES, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $3,492Fees | 0.274%Above | 202 | |
43 | GO MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $3,859Fees | 0.607%Above | 192 | |
44 | ACOPIA, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $3,657Fees | 0.338%Above | 326 | |
45 | Luminate Home Loans, Inc.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,069Fees | 0.244%Above | 279 | |
46 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,243Fees | 0.641%Above | 214 | |
47 | ZILLOW HOME LOANS, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $2,823Fees | 0.434%Above | 198 | |
48 | NFM, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,456Fees | 0.568%Above | 161 | |
49 | DIRECT MORTGAGE LOANS, LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $4,696Fees | 0.342%Above | 241 |
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.