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 | Strong | Exceptional | Exceptional | Exceptional | $1,966Fees | 0.178%Above | 1,883 | |
2 | FIRST COLONY MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $1,541Fees | 0.334%Above | 815 | |
3 | A + MORTGAGE SERVICES, INC.Independent Mortgage Company | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,425Fees | 0.302%Above | 480 | |
4 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,897Fees | 0.317%Above | 741 | |
5 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,965Fees | 0.206%Above | 709 | |
6 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,124Fees | 0.398%Above | 439 | |
7 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,622Fees | 0.002%Above | 376 | |
8 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,106Fees | 0.328%Above | 189 | |
9 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,739Fees | 0.711%Above | 400 | |
10 | WISCONSIN MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Sound | Strong | Exceptional | $938Fees | 0.155%Above | 387 | |
11 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,911Fees | 0.391%Above | 254 | |
12 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,528Fees | 0.369%Above | 226 | |
13 | TOWNE MORTGAGE COMPANYIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,677Fees | 0.674%Above | 132 | |
14 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,935Fees | 0.431%Above | 3,338 | |
15 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,416Fees | 0.402%Above | 2,513 | |
16 | THOMPSON KANE & COMPANY, INCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $1,872Fees | 0.347%Above | 796 | |
17 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,654Fees | 0.294%Above | 614 | |
18 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,095Fees | 0.441%Above | 543 | |
19 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,645Fees | 0.575%Above | 324 | |
20 | PLANET HOME LENDING, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,061Fees | 0.308%Above | 260 | |
21 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,005Fees | 0.301%Above | 215 | |
22 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,582Fees | 0.423%Above | 1,860 | |
23 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,360Fees | 0.580%Above | 1,170 | |
24 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,120Fees | 0.566%Above | 974 | |
25 | Servion, Inc.Independent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $1,276Fees | 0.363%Above | 264 | |
26 | Nations Lending CorporationIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $1,930Fees | 0.461%Above | 626 | |
27 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,068Fees | 0.521%Above | 364 | |
28 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,197Fees | 0.634%Above | 336 | |
29 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,389Fees | 0.377%Above | 321 | |
30 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,881Fees | 0.347%Above | 176 | |
31 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,891Fees | 0.465%Above | 149 | |
32 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,035Fees | 0.638%Above | 464 | |
33 | Waterstone Mortgage CorporationIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,249Fees | 0.510%Above | 352 | |
34 | PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,093Fees | 0.689%Above | 259 | |
35 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $2,495Fees | 0.705%Above | 339 | |
36 | Luminate Home Loans, Inc.Independent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $3,681Fees | 0.744%Above | 171 |
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.