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 | Sound | Exceptional | Exceptional | Exceptional | $3,389Fees | 0.381%Above | 271 | |
2 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,286Fees | 0.392%Above | 67 | |
3 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $3,457Fees | 0.776%Above | 44 | |
4 | FIRST WORLD MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Sound | Strong | Exceptional | Exceptional | $2,176Fees | 0.239%Above | 154 | |
5 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $2,400Fees | 0.349%Above | 53 | |
6 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $1,639Fees | 0.557%Above | 37 | |
7 | Manufacturers and Traders Trust CompanyBank | Exceptional | Strong | Exceptional | Strong | Sound | $1,071Fees | 0.053%Above | 33 | |
8 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,161Fees | 0.423%Above | 411 | |
9 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,724Fees | 0.459%Above | 70 | |
10 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,502Fees | 0.530%Above | 157 | |
11 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,437Fees | 0.418%Above | 139 | |
12 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,711Fees | 0.674%Above | 77 | |
13 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $2,815Fees | 0.616%Above | 77 | |
14 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,254Fees | 0.401%Above | 69 | |
15 | WILLIAM RAVEIS MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $2,372Fees | 0.153%Above | 63 | |
16 | EMM LOANS LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,825Fees | 0.617%Above | 16 | |
17 | TOTAL MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $3,300Fees | 0.435%Above | 380 | |
18 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,427Fees | 0.282%Above | 103 | |
19 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,667Fees | 0.346%Above | 83 | |
20 | NORWICH COMMERCIAL GROUP, INC.Independent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $2,055Fees | 0.399%Above | 66 | |
21 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,662Fees | 0.317%Above | 61 | |
22 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,840Fees | 0.307%Above | 57 | |
23 | Magnolia Bank, IncorporatedBank | Strong | Sound | Strong | Strong | Sound | $5,612Fees | 0.497%Above | 17 | |
24 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $1,594Fees | 0.594%Above | 72 | |
25 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,259Fees | 0.481%Above | 30 | |
26 | PROVINCE MORTGAGE ASSOCIATES, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $1,910Fees | 0.119%Above | 28 | |
27 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $1,947Fees | 0.197%Above | 17 | |
28 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,395Fees | 0.272%Above | 11 | |
29 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,023Fees | 0.537%Above | 149 | |
30 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,449Fees | 0.450%Above | 64 | |
31 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $4,680Fees | 0.821%Above | 29 | |
32 | EQUITY RESOURCES, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Sound | $3,087Fees | 0.369%Above | 20 | |
33 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $4,836Fees | 0.382%Above | 19 | |
34 | AMERISAVE MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $3,771Fees | 0.493%Above | 13 | |
35 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $3,228Fees | 0.669%Above | 55 | |
36 | PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $4,235Fees | 0.557%Above | 31 | |
37 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $4,170Fees | 0.247%Above | 28 | |
38 | UNITED MORTGAGE CORP.Independent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $7,663Fees | 0.804%Above | 11 | |
39 | MORTGAGE EQUITY PARTNERS LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Sound | $3,218Fees | 0.671%Above | 16 | |
40 | UNITED NORTHERN MORTGAGE BANKERS LIMITEDIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Sound | $5,381Fees | 0.733%Above | 12 |
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.