Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $3,083Fees | 0.211%Above | 813 | |
2 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,115Fees | 0.001%Below | 6,493 | |
3 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,078Fees | 0.120%Above | 5,275 | |
4 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,624Fees | 0.359%Above | 3,891 | |
5 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,758Fees | 0.314%Above | 3,718 | |
6 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,351Fees | 0.079%Below | 1,187 | |
7 | SAMMAMISH MORTGAGE COMPANYIndependent Mortgage Company | Exceptional | Strong | Strong | Sound | Exceptional | $876Fees | 0.023%Above | 677 | |
8 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Exceptional | $2,475Fees | 0.063%Above | 1,250 | |
9 | OriginPoint, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Exceptional | $2,776Fees | 0.270%Above | 551 | |
10 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $5,912Fees | 0.368%Above | 463 | |
11 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,531Fees | 0.328%Above | 3,807 | |
12 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,049Fees | 0.421%Above | 3,427 | |
13 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,855Fees | 0.371%Above | 1,968 | |
14 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $4,010Fees | 0.444%Above | 243 | |
15 | NEWREZ LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Exceptional | $2,593Fees | 0.255%Above | 1,521 | |
16 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Exceptional | $3,888Fees | 0.403%Above | 1,164 | |
17 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,170Fees | 0.197%Above | 547 | |
18 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Strong | Sound | Acceptable | Strong | $1,964Fees | 0.056%Above | 291 | |
19 | EVERGREEN MONEYSOURCE MORTGAGE COMPANYIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $5,165Fees | 0.472%Above | 1,921 | |
20 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Exceptional | $3,919Fees | 0.154%Above | 1,068 | |
21 | NFM, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,400Fees | 0.356%Above | 718 | |
22 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $2,328Fees | 0.238%Above | 313 | |
23 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $3,609Fees | 0.374%Above | 300 | |
24 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Sound | Exceptional | $5,328Fees | 0.439%Above | 1,783 | |
25 | CANOPY MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Sound | Mediocre | Exceptional | $5,195Fees | 0.320%Above | 647 | |
26 | SCENIC OAKS FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $3,075Fees | 0.315%Above | 324 | |
27 | ENVOY MORTGAGE, LTDIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $4,184Fees | 0.268%Above | 246 | |
28 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD.Independent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $4,161Fees | 0.495%Above | 199 | |
29 | MASON MCDUFFIE MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $3,642Fees | 0.341%Above | 180 | |
30 | Luminate Home Loans, Inc.Independent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $4,886Fees | 0.451%Above | 399 | |
31 | PRIORITY HOME LENDING, LLCIndependent Mortgage Company | Sound | Mediocre | — | Sound | Strong | $4,237Fees | 0.530%Above | 194 |
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.