Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,039Fees | 0.386%Above | 425 | |
2 | PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company | Exceptional | Exceptional | Exceptional | Sound | Sound | $1,024Fees | 0.102%Below | 17 | |
3 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,576Fees | 0.400%Above | 520 | |
4 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,204Fees | 0.675%Above | 115 | |
5 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,593Fees | 0.672%Above | 72 | |
6 | Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,372Fees | 0.398%Above | 386 | |
7 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,811Fees | 0.136%Above | 169 | |
8 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $1,717Fees | 0.076%Below | 144 | |
9 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Strong | Strong | Sound | Sound | $662Fees | 0.263%Above | 24 | |
10 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,722Fees | 0.552%Above | 202 | |
11 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,156Fees | 0.430%Above | 157 | |
12 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $2,706Fees | 0.279%Above | 84 | |
13 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,728Fees | 0.383%Above | 56 | |
14 | PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,278Fees | 0.743%Above | 53 | |
15 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Exceptional | $438Fees | 0.590%Above | 257 | |
16 | PLANET HOME LENDING, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $2,029Fees | 0.513%Above | 130 | |
17 | REGENT FINANCIAL GROUP, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $1,961Fees | 0.528%Above | 116 | |
18 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,158Fees | 0.452%Above | 48 | |
19 | LEADERONE FINANCIAL CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,558Fees | 0.465%Above | 42 | |
20 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $1,994Fees | 0.423%Above | 36 | |
21 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $1,523Fees | 0.593%Above | 22 | |
22 | American Mortgage Bank, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $1,368Fees | 0.437%Above | 51 | |
23 | NEWREZ LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $2,119Fees | 0.336%Above | 51 | |
24 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $2,021Fees | 0.955%Above | 28 | |
25 | AMERICAN FINANCIAL RESOURCES, INC.Independent Mortgage Company | Sound | Acceptable | Strong | Sound | Sound | $1,774Fees | 0.994%Above | 19 | |
26 | SUN WEST MORTGAGE COMPANY, INC.Independent Mortgage Company | Sound | Acceptable | Strong | Sound | Sound | $1,561Fees | 0.553%Above | 15 | |
27 | US MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Strong | Sound | Strong | $3,455Fees | 0.694%Above | 68 | |
28 | ROYAL UNITED MORTGAGE LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Sound | $2,088Fees | 0.999%Above | 23 | |
29 | Farm Credit Mid-America, ACAIndependent Mortgage Company | Sound | Mediocre | Strong | Sound | Sound | $6,131Fees | 0.488%Above | 21 | |
30 | AMERISAVE MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Strong | Acceptable | Sound | $3,644Fees | 1.332%Above | 20 |
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.