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