Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | VICTORY MORTGAGE, L.L.C.Independent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Strong | $658Fees | 0.143%Above | 164 | |
2 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,198Fees | 0.313%Above | 1,857 | |
3 | FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,224Fees | 0.392%Above | 1,380 | |
4 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,999Fees | 0.806%Above | 338 | |
5 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,047Fees | 0.532%Above | 167 | |
6 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,153Fees | 0.325%Above | 89 | |
7 | GERSHMAN INVESTMENT CORP.Independent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,367Fees | 0.555%Above | 709 | |
8 | JLB CORPORATIONIndependent Mortgage Company | Exceptional | Sound | Strong | Exceptional | Exceptional | $3,484Fees | 0.354%Above | 411 | |
9 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $1,997Fees | 0.052%Below | 220 | |
10 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,559Fees | 0.446%Above | 1,941 | |
11 | DELMAR FINANCIAL COMPANYIndependent Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $1,369Fees | 0.341%Above | 1,006 | |
12 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,088Fees | 0.381%Above | 175 | |
13 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,118Fees | 0.519%Above | 2,800 | |
14 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,496Fees | 0.415%Above | 516 | |
15 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,010Fees | 0.567%Above | 470 | |
16 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $1,579Fees | 0.476%Above | 274 | |
17 | FAMILY FINANCE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | Exceptional | $1,694Fees | 0.693%Above | 270 | |
18 | Nations Lending CorporationIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,272Fees | 0.604%Above | 207 | |
19 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,693Fees | 0.356%Above | 168 | |
20 | DAS Acquisition Company, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $1,824Fees | 0.649%Above | 1,731 | |
21 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Exceptional | $1,738Fees | 0.533%Above | 923 | |
22 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,071Fees | 0.520%Above | 344 | |
23 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $872Fees | 0.501%Above | 125 | |
24 | FRONTIER FINANCIAL, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Exceptional | Strong | $1,630Fees | 0.557%Above | 94 | |
25 | ENDEAVOR CAPITAL, LLC.Independent Mortgage Company | Strong | Acceptable | Strong | Sound | Exceptional | $2,045Fees | 0.456%Above | 596 | |
26 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $1,547Fees | 0.474%Above | 359 | |
27 | GENEVA FINANCIAL, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $3,204Fees | 0.713%Above | 238 | |
28 | FIRST INTEGRITY MORTGAGE SERVICES, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $1,752Fees | 0.499%Above | 148 | |
29 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $1,168Fees | 0.319%Above | 136 | |
30 | EVERETT FINANCIAL, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $1,970Fees | 0.927%Above | 101 | |
31 | AMERISAVE MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $3,597Fees | 0.795%Above | 89 | |
32 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Sound | Exceptional | $2,077Fees | 0.654%Above | 1,836 | |
33 | LEADERONE FINANCIAL CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $2,350Fees | 0.722%Above | 264 | |
34 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,286Fees | 0.504%Above | 208 | |
35 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,163Fees | 0.706%Above | 182 | |
36 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $5,056Fees | 0.440%Above | 73 | |
37 | ROYAL UNITED MORTGAGE LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Sound | Strong | $4,620Fees | 0.824%Above | 96 |
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.