Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | NATION ONE MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $3,262Fees | 0.023%Above | 201 | |
2 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $720Fees | 0.350%Above | 445 | |
3 | Wilmington Savings Fund Society, FSBBank | Exceptional | Exceptional | Strong | Sound | Exceptional | $553Fees | 0.096%Below | 208 | |
4 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $3,027Fees | 0.468%Above | 101 | |
5 | PIKE CREEK MORTGAGE SERVICES, INC.Independent Mortgage Company | Exceptional | Sound | Strong | Exceptional | Exceptional | $3,560Fees | 0.274%Above | 713 | |
6 | MERIDIAN BANKBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,210Fees | 0.172%Above | 293 | |
7 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,920Fees | 0.042%Above | 277 | |
8 | KEYSTONE FUNDING, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,195Fees | 0.374%Above | 174 | |
9 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $1,031Fees | 0.066%Above | 80 | |
10 | Manufacturers and Traders Trust CompanyBank | Exceptional | Strong | Exceptional | Strong | Sound | $1,530Fees | 0.097%Above | 50 | |
11 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,310Fees | 0.329%Above | 686 | |
12 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,458Fees | 0.151%Above | 88 | |
13 | EMM LOANS LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,851Fees | 0.339%Above | 60 | |
14 | MLD MORTGAGE INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,245Fees | 0.070%Below | 57 | |
15 | First Citizens Community BankBank | Strong | Strong | Strong | Strong | Sound | $2,419Fees | 0.321%Above | 20 | |
16 | GoodLeap, LLCIndependent Mortgage Company | Strong | Strong | Exceptional | Sound | Sound | $4,424Fees | 0.384%Below | 19 | |
17 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,936Fees | 0.216%Above | 351 | |
18 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,241Fees | 0.287%Above | 171 | |
19 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $3,049Fees | 0.458%Above | 91 | |
20 | Evolve Bank & TrustBank | Strong | Sound | Strong | Strong | Strong | $3,876Fees | 0.212%Above | 87 | |
21 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,625Fees | 0.640%Above | 72 | |
22 | GREENTREE MORTGAGE COMPANY, L.P.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,039Fees | 0.522%Above | 71 | |
23 | ALLIED MORTGAGE GROUP, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,082Fees | 0.431%Above | 31 | |
24 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Sound | $1,622Fees | 0.179%Above | 23 | |
25 | Advisors Mortgage Group, L.L.C.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,757Fees | 0.374%Above | 17 | |
26 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,618Fees | 0.362%Above | 80 | |
27 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,003Fees | 0.305%Above | 72 | |
28 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,934Fees | 0.253%Above | 65 | |
29 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $2,420Fees | 0.506%Above | 43 | |
30 | Magnolia Bank, IncorporatedBank | Strong | Sound | Strong | Strong | Sound | $3,362Fees | 0.253%Above | 40 | |
31 | Nations Lending CorporationIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $4,412Fees | 0.281%Above | 36 | |
32 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $3,330Fees | 0.829%Above | 102 | |
33 | ENVOY MORTGAGE, LTDIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $2,030Fees | 0.500%Above | 76 | |
34 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,284Fees | 0.303%Above | 58 | |
35 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,705Fees | 0.309%Above | 31 | |
36 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,251Fees | 0.471%Above | 219 | |
37 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $5,237Fees | 0.626%Above | 158 | |
38 | PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,093Fees | 0.331%Above | 87 | |
39 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,494Fees | 0.581%Above | 67 | |
40 | ABSOLUTE HOME MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,236Fees | 0.525%Above | 64 | |
41 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $124Credit | 0.128%Below | 35 | |
42 | AMERISAVE MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $3,217Fees | 0.724%Above | 31 | |
43 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $3,565Fees | 0.571%Above | 24 | |
44 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $2,770Fees | 0.544%Above | 128 | |
45 | Luminate Home Loans, Inc.Independent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $4,728Fees | 0.373%Above | 24 | |
46 | Acre Mortgage & Financial, Inc.Independent Mortgage Company | Sound | Mediocre | Strong | Strong | Sound | $2,850Fees | 0.325%Above | 25 |
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.