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 | $3,366Fees | 0.072%Below | 865 | |
2 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Exceptional | $2,656Fees | 0.067%Below | 205 | |
3 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $3,257Fees | 0.071%Above | 139 | |
4 | Global Federal Credit UnionCredit Union | Exceptional | Strong | Strong | Exceptional | Strong | $2,215Fees | 0.012%Below | 63 | |
5 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,169Fees | 0.256%Below | 212 | |
6 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $249Fees | 0.022%Above | 109 | |
7 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,479Fees | 0.123%Above | 616 | |
8 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,470Fees | 0.419%Above | 365 | |
9 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Exceptional | $3,171Fees | 0.178%Above | 306 | |
10 | NOVA FINANCIAL & INVESTMENT CORPORATIONIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $6,194Fees | 0.244%Above | 114 | |
11 | 1st Security Bank of WashingtonBank | Strong | Sound | Strong | Exceptional | Strong | $3,990Fees | 0.164%Above | 98 | |
12 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,182Fees | 0.228%Above | 69 | |
13 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $5,056Fees | 0.510%Above | 64 | |
14 | Banner BankBank | Strong | Strong | Strong | Sound | Strong | $3,681Fees | 0.163%Above | 54 | |
15 | MLD MORTGAGE INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $4,542Fees | 0.111%Above | 47 | |
16 | WASHINGTON STATE EMPLOYEES CREDIT UNIONCredit Union | Strong | Strong | Strong | Sound | Strong | $2,360Fees | 0.420%Above | 33 | |
17 | GoodLeap, LLCIndependent Mortgage Company | Strong | Strong | Exceptional | Sound | Sound | $6,537Fees | 0.038%Below | 31 | |
18 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,161Fees | 0.361%Above | 734 | |
19 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $5,016Fees | 0.308%Above | 387 | |
20 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,170Fees | 0.208%Above | 282 | |
21 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,750Fees | 0.193%Above | 272 | |
22 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,516Fees | 0.420%Above | 169 | |
23 | HomeStreet BankBank | Strong | Sound | Strong | Sound | Exceptional | $4,272Fees | 0.226%Above | 131 | |
24 | CORNERSTONE CAPITAL BANK, SSBBank | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,355Fees | 0.339%Above | 76 | |
25 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,117Fees | 0.361%Above | 71 | |
26 | PLANET HOME LENDING, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $3,381Fees | 0.429%Above | 30 | |
27 | NATIONS DIRECT MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,631Fees | 0.242%Above | 25 | |
28 | EVERGREEN MONEYSOURCE MORTGAGE COMPANYIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $5,319Fees | 0.516%Above | 281 | |
29 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $5,293Fees | 0.309%Above | 178 | |
30 | CANOPY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $5,608Fees | 0.170%Above | 131 | |
31 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,207Fees | 0.296%Above | 129 | |
32 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,052Fees | 0.421%Above | 94 | |
33 | OriginPoint, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $4,107Fees | 0.265%Above | 48 | |
34 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,313Fees | 0.420%Above | 695 | |
35 | MASON MCDUFFIE MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $4,324Fees | 0.408%Above | 68 | |
36 | Sunflower Bank, National AssociationBank | Strong | Acceptable | Exceptional | Strong | Sound | $7,085Fees | 0.285%Above | 35 | |
37 | SCENIC OAKS FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $2,882Fees | 0.326%Above | 34 | |
38 | Synergy One Lending, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $5,838Fees | 0.242%Above | 32 | |
39 | MORTGAGE SOLUTIONS OF COLORADO, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,345Fees | 0.184%Above | 24 | |
40 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $4,697Fees | 0.455%Above | 23 | |
41 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,688Fees | 0.059%Above | 22 | |
42 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,284Fees | 0.408%Above | 22 | |
43 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $1,201Fees | 0.294%Above | 22 | |
44 | Luminate Home Loans, Inc.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,634Fees | 0.401%Above | 111 | |
45 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,230Fees | 0.032%Above | 76 | |
46 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $2,924Fees | 0.020%Above | 36 | |
47 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $2,141Fees | 0.042%Below | 28 | |
48 | ON Q FINANCIAL, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Sound | $4,226Fees | 0.404%Above | 24 | |
49 | RIGHT START MORTGAGE, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Sound | $5,639Fees | 0.761%Above | 23 | |
50 | Cornerstone First Mortgage, IncIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $4,265Fees | 0.408%Above | 71 |
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.