Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,936Fees | 0.019%Above | 711 | |
2 | FBC MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,346Fees | 0.286%Above | 275 | |
3 | TRAILBLAZER MORTGAGE L.L.C.Independent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Strong | $1,786Fees | 1.030%Below | 232 | |
4 | MATTAMY HOME FUNDING, LLCIndependent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Strong | $895Fees | 0.449%Above | 230 | |
5 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,399Fees | 0.235%Above | 4,381 | |
6 | M/I FINANCIAL, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,460Fees | 0.221%Below | 505 | |
7 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $1,356Fees | 0.185%Above | 402 | |
8 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,369Fees | 0.896%Below | 127 | |
9 | GoodLeap, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $3,871Fees | 0.246%Below | 86 | |
10 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,496Fees | 0.256%Above | 2,421 | |
11 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,943Fees | 0.321%Below | 564 | |
12 | RESIDENTIAL ACCEPTANCE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | Strong | $6,111Fees | 0.101%Above | 197 | |
13 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,523Fees | 0.292%Above | 193 | |
14 | GERSHMAN INVESTMENT CORP.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,155Fees | 0.432%Above | 170 | |
15 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,472Fees | 0.309%Above | 144 | |
16 | RMC HOME MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $4,488Fees | 0.348%Above | 116 | |
17 | MICHIGAN MUTUAL, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,094Fees | 0.461%Above | 72 | |
18 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $2,662Fees | 0.326%Above | 468 | |
19 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,747Fees | 0.461%Above | 400 | |
20 | THE MORTGAGE FIRM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,371Fees | 0.528%Above | 294 | |
21 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,807Fees | 0.509%Above | 260 | |
22 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,820Fees | 0.331%Above | 254 | |
23 | NJ LENDERS CORP.Independent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $5,041Fees | 0.209%Above | 76 | |
24 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,883Fees | 0.034%Above | 524 | |
25 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,925Fees | 0.386%Above | 338 | |
26 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,336Fees | 0.115%Above | 326 | |
27 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,728Fees | 0.445%Above | 278 | |
28 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,982Fees | 0.572%Above | 276 | |
29 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,698Fees | 0.298%Above | 236 | |
30 | VAN DYK MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,106Fees | 0.404%Above | 217 | |
31 | EMBRACE HOME LOANS, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,448Fees | 0.624%Above | 168 | |
32 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,548Fees | 0.743%Above | 159 | |
33 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,304Fees | 0.279%Above | 144 | |
34 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,698Fees | 0.843%Above | 138 | |
35 | HOMEOWNERS FINANCIAL GROUP USA, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,907Fees | 0.575%Above | 123 | |
36 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,742Fees | 0.354%Above | 122 | |
37 | JMAC LENDING, INC.Independent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $3,035Fees | 0.264%Above | 118 | |
38 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,453Fees | 0.356%Above | 98 | |
39 | OCMBC, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,176Fees | 1.033%Above | 83 | |
40 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,956Fees | 0.467%Above | 717 | |
41 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $2,610Fees | 0.687%Above | 530 | |
42 | EVERETT FINANCIAL, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,026Fees | 0.745%Above | 367 | |
43 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $5,122Fees | 0.335%Above | 137 | |
44 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $3,379Fees | 0.087%Above | 125 | |
45 | Waterstone Mortgage CorporationIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $5,338Fees | 0.528%Above | 94 | |
46 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,580Fees | 0.306%Above | 84 | |
47 | Click n' Close, Inc.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $7,952Fees | 1.702%Above | 291 | |
48 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,886Fees | 0.304%Above | 185 | |
49 | AMERISAVE MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $4,546Fees | 0.304%Above | 79 |
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.