Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $3,115Fees | 0.001%Below | 6,493 | |
2 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,351Fees | 0.079%Below | 1,187 | |
3 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,624Fees | 0.359%Above | 3,891 | |
4 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,758Fees | 0.314%Above | 3,718 | |
5 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $3,083Fees | 0.211%Above | 813 | |
6 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,601Fees | 0.070%Above | 651 | |
7 | OriginPoint, LLCIndependent Mortgage Company | Exceptional | Strong | Strong | Strong | Exceptional | $2,776Fees | 0.270%Above | 551 | |
8 | KIND LENDING, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,328Fees | 0.238%Above | 313 | |
9 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,989Fees | 0.460%Above | 282 | |
10 | NEWREZ LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,593Fees | 0.255%Above | 1,521 | |
11 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,475Fees | 0.063%Above | 1,250 | |
12 | SAMMAMISH MORTGAGE COMPANYIndependent Mortgage Company | Exceptional | Strong | Strong | Sound | Exceptional | $876Fees | 0.023%Above | 677 | |
13 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $5,912Fees | 0.368%Above | 463 | |
14 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,078Fees | 0.120%Above | 5,275 | |
15 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,855Fees | 0.371%Above | 1,968 | |
16 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,400Fees | 0.356%Above | 718 | |
17 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,170Fees | 0.197%Above | 547 | |
18 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,609Fees | 0.374%Above | 300 | |
19 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,964Fees | 0.056%Above | 291 | |
20 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,531Fees | 0.328%Above | 3,807 | |
21 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,049Fees | 0.421%Above | 3,427 | |
22 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,919Fees | 0.154%Above | 1,068 | |
23 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,714Fees | 0.205%Above | 997 | |
24 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,876Fees | 0.397%Above | 262 | |
25 | EVERGREEN MONEYSOURCE MORTGAGE COMPANYIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $5,165Fees | 0.472%Above | 1,921 | |
26 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,219Fees | 0.137%Above | 402 | |
27 | NATIONS DIRECT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,041Fees | 0.183%Above | 335 | |
28 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,010Fees | 0.444%Above | 243 | |
29 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,161Fees | 0.495%Above | 199 | |
30 | Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,146Fees | 0.127%Above | 173 | |
31 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $5,328Fees | 0.439%Above | 1,783 | |
32 | CANOPY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $5,195Fees | 0.320%Above | 647 | |
33 | Synergy One Lending, Inc.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $5,118Fees | 0.343%Above | 247 | |
34 | ENVOY MORTGAGE, LTDIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $4,184Fees | 0.268%Above | 246 | |
35 | ZILLOW HOME LOANS, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $3,293Fees | 0.230%Above | 204 | |
36 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Sound | Exceptional | $3,888Fees | 0.403%Above | 1,164 | |
37 | PREMIER MORTGAGE RESOURCES, L.L.C.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $5,040Fees | 0.363%Above | 381 | |
38 | NOVA FINANCIAL & INVESTMENT CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $6,184Fees | 0.315%Above | 217 | |
39 | SUMMIT FUNDING, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $6,453Fees | 0.525%Above | 216 | |
40 | Luminate Home Loans, Inc.Independent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $4,886Fees | 0.451%Above | 399 | |
41 | SCENIC OAKS FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $3,075Fees | 0.315%Above | 324 | |
42 | CHURCHILL MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $4,830Fees | 0.436%Above | 282 | |
43 | Cornerstone First Mortgage, IncIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $4,510Fees | 0.432%Above | 259 | |
44 | MASON MCDUFFIE MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $3,642Fees | 0.341%Above | 180 |
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.