Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | FBC MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,817Fees | 0.054%Above | 237 | |
2 | City National Bank of FloridaBank | Exceptional | Exceptional | Strong | Strong | Strong | $1,661Fees | 0.694%Below | 96 | |
3 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,393Fees | 0.320%Above | 2,563 | |
4 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,030Fees | 0.225%Above | 212 | |
5 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $1,946Fees | 0.222%Above | 196 | |
6 | SWBC MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $4,044Fees | 0.443%Above | 73 | |
7 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,463Fees | 0.291%Above | 1,204 | |
8 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $3,366Fees | 0.387%Above | 246 | |
9 | THE MORTGAGE FIRM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,836Fees | 0.422%Above | 235 | |
10 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,497Fees | 0.337%Above | 147 | |
11 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,215Fees | 0.515%Above | 95 | |
12 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $4,055Fees | 0.486%Above | 78 | |
13 | Plains Commerce BankBank | Strong | Sound | Exceptional | Strong | Strong | $4,124Fees | 0.540%Above | 69 | |
14 | Northpointe BankBank | Strong | Sound | Exceptional | Strong | Strong | $3,329Fees | 0.418%Above | 57 | |
15 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Sound | Exceptional | $2,327Fees | 0.152%Above | 484 | |
16 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,822Fees | 0.451%Above | 187 | |
17 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $3,256Fees | 0.405%Above | 150 | |
18 | PLANET HOME LENDING, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $3,045Fees | 0.323%Above | 39 | |
19 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,400Fees | 0.631%Above | 282 | |
20 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,507Fees | 0.316%Above | 174 | |
21 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,114Fees | 0.328%Above | 114 | |
22 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,958Fees | 0.358%Above | 90 | |
23 | AMERIHOME MORTGAGE COMPANY, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $2,457Fees | 0.075%Above | 88 | |
24 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,459Fees | 0.455%Above | 83 | |
25 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,408Fees | 0.549%Above | 83 | |
26 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,006Fees | 0.215%Above | 78 | |
27 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,427Fees | 0.489%Above | 68 | |
28 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,178Fees | 0.364%Above | 67 | |
29 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $4,086Fees | 0.391%Above | 60 | |
30 | JMAC LENDING, INC.Independent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $3,386Fees | 0.451%Above | 56 | |
31 | HOMEBRIDGE FINANCIAL SERVICES, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Sound | $5,138Fees | 0.576%Above | 37 | |
32 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,866Fees | 0.519%Above | 1,235 | |
33 | EVERETT FINANCIAL, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,371Fees | 0.610%Above | 254 | |
34 | BUILDERS CHOICE MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Exceptional | $4,487Fees | 0.446%Above | 125 | |
35 | NP, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $4,170Fees | 0.599%Above | 115 | |
36 | CAPITAL PARTNERS MORTGAGE SERVICES LLC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $3,744Fees | 0.357%Above | 90 | |
37 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,779Fees | 0.614%Above | 58 | |
38 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $4,042Fees | 0.656%Above | 46 | |
39 | J. VIRGIL, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $2,587Fees | 0.199%Above | 42 | |
40 | OCMBC, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,823Fees | 0.819%Above | 35 | |
41 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,412Fees | 0.386%Above | 32 | |
42 | ABSOLUTE HOME MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $5,074Fees | 0.641%Above | 144 | |
43 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,536Fees | 0.249%Above | 96 | |
44 | PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $5,060Fees | 0.509%Above | 71 | |
45 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Sound | $6,000Fees | 0.740%Above | 63 | |
46 | Waterstone Mortgage CorporationIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Sound | $4,857Fees | 0.534%Above | 49 | |
47 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $4,711Fees | 0.831%Above | 42 | |
48 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $1,022Fees | 0.190%Above | 34 | |
49 | TOTAL MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Sound | $3,109Fees | 0.604%Above | 34 | |
50 | AMERISAVE MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $4,037Fees | 0.924%Above | 32 |
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.