Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | VELOCIO MORTGAGE L.L.C.Independent Mortgage Company | Exceptional | Exceptional | Exceptional | Exceptional | $1,883Fees | 1.034%Below | 1,242 | |
2 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Sound | Strong | $1,162Fees | 0.543%Below | 671 | |
3 | PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company | Exceptional | Exceptional | Sound | Strong | $1,738Fees | 0.098%Below | 527 | |
4 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $3,154Fees | 0.132%Above | 13,305 | |
5 | ALTITUDE FINANCIAL CORPORATIONIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $1,878Fees | 0.290%Above | 881 | |
6 | U.S. Bank National AssociationBank | Strong | Strong | Strong | Strong | $358Fees | 0.012%Below | 749 | |
7 | MATTAMY HOME FUNDING, LLCIndependent Mortgage Company | Strong | Strong | Strong | Strong | $880Fees | 0.450%Above | 582 | |
8 | Bank of America, National AssociationBank | Strong | Strong | Strong | Strong | $1,759Fees | 0.059%Below | 539 | |
9 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | $1,533Fees | 0.400%Below | 3,134 | |
10 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Exceptional | $2,562Fees | 0.190%Above | 1,795 | |
11 | Wells Fargo Bank, National AssociationBank | Strong | Strong | Sound | Strong | $2,224Fees | 0.107%Above | 821 | |
12 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | $2,694Fees | 0.296%Above | 311 | |
13 | Zions Bancorporation, N.A.Bank | Strong | Strong | Sound | Strong | $1,593Fees | 0.132%Above | 224 | |
14 | TRUWEST Credit UnionCredit Union | Strong | Strong | Sound | Strong | $2,521Fees | 0.151%Below | 208 | |
15 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $4,112Fees | 0.188%Above | 7,545 | |
16 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,960Fees | 0.478%Above | 3,456 | |
17 | NOVA FINANCIAL & INVESTMENT CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $2,299Fees | 0.363%Above | 2,769 | |
18 | V.I.P. MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,382Fees | 0.448%Above | 2,318 | |
19 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $4,451Fees | 0.478%Above | 2,267 | |
20 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $2,723Fees | 0.709%Below | 1,023 | |
21 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Strong | $3,267Fees | 0.126%Above | 942 | |
22 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $2,061Fees | 0.028%Above | 942 | |
23 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | $2,741Fees | 0.227%Above | 830 | |
24 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | $521Fees | 0.498%Above | 707 | |
25 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $3,555Fees | 0.284%Above | 387 | |
26 | SUN AMERICAN MORTGAGE COMPANYIndependent Mortgage Company | Strong | Sound | Strong | Strong | $2,208Fees | 0.234%Above | 255 | |
27 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $3,761Fees | 0.489%Above | 3,251 | |
28 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $2,503Fees | 0.294%Above | 1,080 | |
29 | Plains Commerce BankBank | Strong | Acceptable | Strong | Exceptional | $3,252Fees | 0.220%Above | 902 | |
30 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,894Fees | 0.180%Above | 881 | |
31 | Bell BankBank | Strong | Acceptable | Exceptional | Strong | $3,340Fees | 0.374%Above | 735 | |
32 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,906Fees | 0.423%Above | 644 | |
33 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,432Fees | 0.305%Above | 588 | |
34 | Nations Lending CorporationIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,228Fees | 0.264%Above | 519 | |
35 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Sound | Strong | $2,641Fees | 0.099%Above | 391 | |
36 | BMO Bank National AssociationBank | Strong | Sound | Sound | Strong | $1,227Fees | 0.150%Above | 308 | |
37 | USAA Federal Savings BankBank | Strong | Sound | Sound | Strong | $2,198Fees | 0.050%Below | 293 | |
38 | GoodLeap, LLCIndependent Mortgage Company | Strong | Sound | Sound | Strong | $5,022Fees | 0.085%Below | 287 | |
39 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,337Fees | 0.339%Above | 246 | |
40 | VANTAGE WESTCredit Union | Strong | Sound | Sound | Strong | $1,553Fees | 0.098%Below | 216 | |
41 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,453Fees | 0.556%Above | 1,004 | |
42 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,926Fees | 0.398%Above | 830 | |
43 | Flagstar Bank, N.A.Bank | Strong | Acceptable | Strong | Strong | $2,963Fees | 0.334%Above | 823 | |
44 | ZILLOW HOME LOANS, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,045Fees | 0.332%Above | 673 | |
45 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,641Fees | 0.189%Above | 635 | |
46 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,554Fees | 0.275%Above | 618 | |
47 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,575Fees | 0.351%Above | 422 | |
48 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $4,692Fees | 0.876%Above | 400 | |
49 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,206Fees | 0.697%Above | 386 | |
50 | SUN WEST MORTGAGE COMPANY, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $4,707Fees | 0.175%Above | 282 |
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.