Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | JET HOMELOANS, LPIndependent Mortgage Company | Exceptional | Exceptional | Strong | Exceptional | Strong | $1,556Fees | 0.348%Below | 59 | |
2 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,831Fees | 0.086%Above | 297 | |
3 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,850Fees | 0.361%Above | 73 | |
4 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,484Fees | 0.364%Above | 62 | |
5 | Towne BankBank | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,131Fees | 0.284%Above | 124 | |
6 | American Security Mortgage Corp.Independent Mortgage Company | Exceptional | Strong | Strong | Strong | Strong | $1,745Fees | 0.169%Above | 99 | |
7 | INTERCOASTAL MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Strong | Strong | Strong | $2,065Fees | 0.327%Above | 94 | |
8 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $2,489Fees | 0.175%Below | 90 | |
9 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,989Fees | 0.025%Above | 76 | |
10 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,091Fees | 0.271%Above | 554 | |
11 | ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,199Fees | 0.351%Above | 351 | |
12 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,294Fees | 0.116%Below | 92 | |
13 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,131Fees | 0.279%Above | 401 | |
14 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,303Fees | 0.259%Above | 305 | |
15 | Integrity Home Mortgage CorporationIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,233Fees | 0.400%Above | 151 | |
16 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $1,886Fees | 0.206%Above | 139 | |
17 | Primis Mortgage CompanyIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $2,075Fees | 0.346%Above | 103 | |
18 | CORNERSTONE CAPITAL BANK, SSBBank | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,765Fees | 0.200%Above | 93 | |
19 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,828Fees | 0.573%Above | 93 | |
20 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,087Fees | 0.525%Above | 63 | |
21 | LOANSTEADY LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $2,022Fees | 0.201%Above | 48 | |
22 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Sound | $2,339Fees | 0.152%Above | 24 | |
23 | Alcova Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,485Fees | 0.145%Above | 39 | |
24 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $2,451Fees | 0.379%Above | 34 | |
25 | Presidential Bank, FSBBank | Strong | Acceptable | Strong | Strong | Strong | $3,628Fees | 0.516%Above | 51 | |
26 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD.Independent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $3,235Fees | 0.307%Above | 48 | |
27 | ZILLOW HOME LOANS, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,541Fees | 0.437%Above | 21 | |
28 | AMERICAN FINANCIAL RESOURCES, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,387Fees | 0.577%Above | 19 | |
29 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $2,584Fees | 0.440%Above | 164 | |
30 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,413Fees | 0.434%Above | 57 | |
31 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $4,395Fees | 0.329%Above | 20 | |
32 | VISION LENDING SERVICES, LLCIndependent Mortgage Company | Sound | Acceptable | Sound | Strong | Sound | $2,054Fees | 0.157%Above | 19 | |
33 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Sound | $3,714Fees | 0.592%Above | 29 |
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.