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 | $1,717Fees | 0.074%Below | 899 | |
2 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,708Fees | 0.210%Below | 1,433 | |
3 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,860Fees | 0.121%Above | 319 | |
4 | Tidewater Home Funding, LLCIndependent Mortgage Company | Exceptional | Strong | Strong | Strong | Exceptional | $3,341Fees | 0.061%Above | 181 | |
5 | CAPITAL CENTER, L.L.C.Independent Mortgage Company | Exceptional | Exceptional | Strong | Sound | Strong | $470Fees | 0.180%Above | 154 | |
6 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $2,509Fees | 0.474%Below | 264 | |
7 | GoodLeap, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $4,095Fees | 0.352%Below | 88 | |
8 | ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,805Fees | 0.289%Above | 1,813 | |
9 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,466Fees | 0.265%Above | 1,581 | |
10 | Atlantic Coast Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,134Fees | 0.168%Above | 493 | |
11 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,806Fees | 0.030%Above | 250 | |
12 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,045Fees | 0.159%Above | 863 | |
13 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $2,362Fees | 0.187%Above | 442 | |
14 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,261Fees | 0.398%Above | 339 | |
15 | Alcova Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,904Fees | 0.377%Above | 147 | |
16 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,020Fees | 0.307%Above | 132 | |
17 | MORIA DEVELOPMENT, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,294Fees | 0.111%Above | 124 | |
18 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,316Fees | 0.329%Above | 120 | |
19 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,643Fees | 0.248%Above | 100 | |
20 | EMM LOANS LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,646Fees | 0.194%Below | 62 | |
21 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Exceptional | $2,545Fees | 0.539%Above | 1,835 | |
22 | TIDEWATER MORTGAGE SERVICES, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $3,174Fees | 0.129%Above | 461 | |
23 | Advance Financial Group, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $4,257Fees | 0.092%Above | 442 | |
24 | Towne Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $4,185Fees | 0.218%Above | 333 | |
25 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,451Fees | 0.077%Above | 234 | |
26 | C & F Mortgage CorporationIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | Strong | $3,805Fees | 0.225%Above | 166 | |
27 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,398Fees | 0.398%Above | 144 | |
28 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,661Fees | 0.654%Above | 121 | |
29 | HOMESPIRE MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,546Fees | 0.383%Above | 118 | |
30 | LoanUnited.com, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $2,454Fees | 0.305%Below | 116 | |
31 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,589Fees | 0.266%Above | 106 | |
32 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,646Fees | 0.139%Below | 106 | |
33 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,818Fees | 0.457%Above | 58 | |
34 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,996Fees | 0.609%Above | 57 | |
35 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,607Fees | 0.350%Above | 1,538 | |
36 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $3,155Fees | 0.318%Above | 148 | |
37 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $4,863Fees | 0.040%Below | 89 | |
38 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $4,318Fees | 0.701%Above | 62 | |
39 | Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,542Fees | 0.170%Above | 55 | |
40 | SOUTHERN TRUST MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Strong | Strong | Exceptional | $4,240Fees | 0.307%Above | 974 | |
41 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $2,878Fees | 0.365%Above | 341 | |
42 | CALCON MUTUAL MORTGAGE LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $2,974Fees | 0.180%Above | 255 | |
43 | Archer Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Sound | Strong | Strong | $3,261Fees | 0.131%Above | 159 | |
44 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,911Fees | 0.303%Above | 126 | |
45 | DRAGAS MORTGAGE COMPANYIndependent Mortgage Company | Strong | Acceptable | Sound | Strong | Strong | $4,461Fees | 0.017%Above | 109 | |
46 | EVERETT FINANCIAL, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Sound | $2,905Fees | 0.264%Above | 72 | |
47 | AMERISAVE MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $4,557Fees | 0.403%Above | 52 | |
48 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $2,946Fees | 0.342%Above | 156 | |
49 | CITY FIRST MORTGAGE SERVICES, L.L.C.Independent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $3,950Fees | 0.547%Above | 66 |
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.