Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $3,239Fees | 0.043%Above | 5,664 | |
2 | MORTGAGE INVESTORS GROUP, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $2,627Fees | 0.221%Above | 3,320 | |
3 | COMMUNITY MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $2,874Fees | 0.231%Above | 891 | |
4 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | $2,697Fees | 0.045%Above | 1,377 | |
5 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Sound | Strong | Exceptional | $2,893Fees | 0.189%Above | 1,333 | |
6 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | $2,631Fees | 0.067%Below | 1,245 | |
7 | Legacy Home Loans, LLCIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | $1,996Fees | 0.144%Above | 1,242 | |
8 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | $2,838Fees | 0.092%Above | 579 | |
9 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | $2,259Fees | 0.321%Above | 559 | |
10 | FIRST COLONY MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | $2,864Fees | 0.278%Above | 195 | |
11 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $4,302Fees | 0.298%Above | 7,212 | |
12 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,492Fees | 0.344%Above | 3,095 | |
13 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $2,986Fees | 0.291%Above | 2,263 | |
14 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,431Fees | 0.321%Above | 2,186 | |
15 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,843Fees | 0.393%Above | 1,245 | |
16 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Strong | $3,314Fees | 0.322%Above | 945 | |
17 | SWBC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $2,203Fees | 0.237%Above | 646 | |
18 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | $3,981Fees | 0.414%Above | 226 | |
19 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $1,961Fees | 0.546%Above | 2,392 | |
20 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $4,468Fees | 0.584%Above | 1,205 | |
21 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,707Fees | 0.384%Above | 855 | |
22 | Primis Mortgage CompanyIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $3,470Fees | 0.345%Above | 649 | |
23 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $4,481Fees | 0.492%Above | 418 | |
24 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Sound | Strong | $2,344Fees | 0.400%Above | 416 | |
25 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,612Fees | 0.434%Above | 308 | |
26 | GoodLeap, LLCIndependent Mortgage Company | Strong | Sound | Sound | Strong | $3,829Fees | 0.195%Above | 215 | |
27 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,879Fees | 0.329%Above | 195 | |
28 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,711Fees | 0.230%Above | 667 | |
29 | STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,754Fees | 0.372%Above | 635 | |
30 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $4,027Fees | 0.739%Above | 334 | |
31 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,097Fees | 0.583%Above | 330 | |
32 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,330Fees | 0.504%Above | 290 | |
33 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,358Fees | 0.279%Above | 261 | |
34 | Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $4,698Fees | 0.465%Above | 212 | |
35 | INTERLINC MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,842Fees | 0.275%Above | 197 | |
36 | VAN DYK MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $4,272Fees | 0.342%Above | 194 | |
37 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,642Fees | 0.471%Above | 186 | |
38 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Acceptable | Sound | Strong | $3,705Fees | 0.505%Above | 916 | |
39 | CHURCHILL MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Strong | Exceptional | $3,293Fees | 0.392%Above | 652 | |
40 | NEWREZ LLCIndependent Mortgage Company | Sound | Acceptable | Sound | Strong | $2,587Fees | 0.304%Above | 624 | |
41 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | $4,763Fees | 0.425%Above | 600 | |
42 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Sound | Acceptable | Sound | Strong | $4,273Fees | 0.247%Above | 327 | |
43 | SUMMIT FUNDING, INC.Independent Mortgage Company | Sound | Mediocre | Exceptional | Strong | $5,460Fees | 0.760%Above | 257 | |
44 | EVERETT FINANCIAL, INC.Independent Mortgage Company | Sound | Mediocre | Exceptional | Strong | $4,416Fees | 0.685%Above | 257 | |
45 | ALAMEDA MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | $2,752Fees | 0.566%Above | 193 | |
46 | Farm Credit Mid-America, ACAIndependent Mortgage Company | Sound | Mediocre | Sound | Exceptional | $6,109Fees | 0.568%Above | 553 | |
47 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD.Independent Mortgage Company | Sound | Mediocre | Strong | Strong | $3,730Fees | 0.408%Above | 399 | |
48 | PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company | Sound | Mediocre | Strong | Strong | $3,136Fees | 0.415%Above | 253 | |
49 | ISERVE RESIDENTIAL LENDING, LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | $3,898Fees | 0.321%Above | 199 |
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.