Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | VELOCIO MORTGAGE L.L.C.Independent Mortgage Company | Exceptional | Exceptional | Exceptional | Exceptional | Exceptional | $1,883Fees | 1.034%Below | 1,242 | |
2 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $3,154Fees | 0.132%Above | 13,305 | |
3 | V.I.P. MORTGAGE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $3,382Fees | 0.448%Above | 2,318 | |
4 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $4,451Fees | 0.478%Above | 2,267 | |
5 | ALTITUDE FINANCIAL CORPORATIONIndependent Mortgage Company | Strong | Sound | — | Exceptional | Exceptional | $1,878Fees | 0.290%Above | 881 | |
6 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,926Fees | 0.398%Above | 830 | |
7 | GENEVA FINANCIAL, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $5,458Fees | 0.783%Above | 780 | |
8 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,206Fees | 0.697%Above | 386 | |
9 | NOVA FINANCIAL & INVESTMENT CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,299Fees | 0.363%Above | 2,769 | |
10 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Sound | Strong | $2,963Fees | 0.334%Above | 823 | |
11 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $521Fees | 0.498%Above | 707 | |
12 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Exceptional | $1,533Fees | 0.400%Below | 3,134 | |
13 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,741Fees | 0.227%Above | 830 | |
14 | EFINITY FINANCIAL INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $5,552Fees | 0.681%Above | 527 | |
15 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,692Fees | 0.876%Above | 400 | |
16 | SUN AMERICAN MORTGAGE COMPANYIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $2,208Fees | 0.234%Above | 255 | |
17 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,960Fees | 0.478%Above | 3,456 | |
18 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,761Fees | 0.489%Above | 3,251 | |
19 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,319Fees | 0.634%Above | 1,160 |
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.