Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | MORTGAGE CENTER L.CIndependent Mortgage Company | Exceptional | Strong | Strong | Exceptional | $1,213Fees | 0.041%Below | 353 | |
2 | PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company | Exceptional | Exceptional | Sound | Strong | $176Fees | 0.062%Above | 128 | |
3 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $2,135Fees | 0.360%Above | 6,648 | |
4 | STAUNTON FINANCIAL, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $1,799Fees | 0.218%Above | 788 | |
5 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $2,822Fees | 0.331%Above | 4,709 | |
6 | MORTGAGE 1 INCORPORATEDIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $2,463Fees | 0.509%Above | 1,181 | |
7 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $2,767Fees | 0.703%Above | 910 | |
8 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | $2,202Fees | 0.297%Above | 313 | |
9 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $2,898Fees | 0.388%Above | 177 | |
10 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Strong | $2,085Fees | 0.351%Above | 171 | |
11 | MICHIGAN MUTUAL, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $2,209Fees | 0.625%Above | 543 | |
12 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,595Fees | 0.492%Above | 233 | |
13 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,345Fees | 0.531%Above | 127 | |
14 | J. VIRGIL, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,998Fees | 0.496%Above | 115 | |
15 | RESICENTRAL, LLCIndependent Mortgage Company | Strong | Sound | Sound | Strong | $237Fees | 1.218%Above | 108 | |
16 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | $1,567Fees | 0.182%Above | 102 | |
17 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,795Fees | 0.693%Above | 618 | |
18 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,277Fees | 0.545%Above | 300 | |
19 | ROSS MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,433Fees | 0.358%Above | 286 | |
20 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $1,556Fees | 0.670%Above | 281 | |
21 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $1,490Fees | 0.446%Above | 265 | |
22 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,457Fees | 0.407%Above | 206 | |
23 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,124Fees | 0.472%Above | 197 | |
24 | THE MORTGAGE LINK, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $1,842Fees | 0.572%Above | 115 | |
25 | M/I FINANCIAL, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,316Fees | 0.174%Below | 93 | |
26 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Sound | Sound | $2,098Fees | 0.385%Above | 74 | |
27 | NEWREZ LLCIndependent Mortgage Company | Sound | Acceptable | Sound | Strong | $2,234Fees | 0.525%Above | 414 | |
28 | UIF CORPORATIONIndependent Mortgage Company | Sound | Acceptable | Sound | Strong | $2,020Fees | 0.478%Above | 138 | |
29 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Acceptable | Sound | Strong | $2,663Fees | 0.631%Above | 115 | |
30 | GreenStone Farm Credit Services, FLCAIndependent Mortgage Company | Sound | Acceptable | Sound | Strong | $2,823Fees | 0.561%Above | 112 | |
31 | Equity Prime Mortgage LLCIndependent Mortgage Company | Sound | Acceptable | Strong | Sound | $4,164Fees | 0.994%Above | 81 | |
32 | PRESTON HOME LOANS INCIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | $3,322Fees | 0.753%Above | 222 | |
33 | SUCCESS MORTGAGE PARTNERS, INC.Independent Mortgage Company | Sound | Mediocre | Strong | Strong | $3,863Fees | 0.539%Above | 188 | |
34 | CALCON MUTUAL MORTGAGE LLCIndependent Mortgage Company | Sound | Mediocre | Sound | Strong | $2,818Fees | 0.670%Above | 148 | |
35 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD.Independent Mortgage Company | Sound | Mediocre | Strong | Sound | $2,778Fees | 0.468%Above | 68 |
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.