Safe Rate Rankings
Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.
| 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 | Exceptional | Exceptional | $3,154Fees | 0.132%Above | 13,305 | |
3 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,162Fees | 0.543%Below | 671 | |
4 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Exceptional | $2,562Fees | 0.190%Above | 1,795 | |
5 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $3,267Fees | 0.126%Above | 942 | |
6 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,061Fees | 0.028%Above | 942 | |
7 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,741Fees | 0.227%Above | 830 | |
8 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $358Fees | 0.012%Below | 749 | |
9 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $521Fees | 0.498%Above | 707 | |
10 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,641Fees | 0.189%Above | 635 | |
11 | MATTAMY HOME FUNDING, LLCIndependent Mortgage Company | Exceptional | Strong | Strong | Exceptional | Strong | $880Fees | 0.450%Above | 582 | |
12 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,575Fees | 0.351%Above | 422 | |
13 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $3,206Fees | 0.697%Above | 386 | |
14 | KIND LENDING, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,800Fees | 0.401%Above | 247 | |
15 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,533Fees | 0.400%Below | 3,134 | |
16 | THE LOAN STORE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,503Fees | 0.294%Above | 1,080 | |
17 | Plains Commerce BankBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,252Fees | 0.220%Above | 902 | |
18 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,894Fees | 0.180%Above | 881 | |
19 | Bell BankBank | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,340Fees | 0.374%Above | 735 | |
20 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,906Fees | 0.423%Above | 644 | |
21 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,432Fees | 0.305%Above | 588 | |
22 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,694Fees | 0.296%Above | 311 | |
23 | USAA Federal Savings BankBank | Exceptional | Strong | Exceptional | Sound | Strong | $2,198Fees | 0.050%Below | 293 | |
24 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,112Fees | 0.188%Above | 7,545 | |
25 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,960Fees | 0.478%Above | 3,456 | |
26 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,723Fees | 0.709%Below | 1,023 | |
27 | ALTITUDE FINANCIAL CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $1,878Fees | 0.290%Above | 881 | |
28 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,926Fees | 0.398%Above | 830 | |
29 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $2,963Fees | 0.334%Above | 823 | |
30 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,329Fees | 0.291%Above | 597 | |
31 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,641Fees | 0.099%Above | 391 | |
32 | SUN WEST MORTGAGE COMPANY, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $4,707Fees | 0.175%Above | 282 | |
33 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,454Fees | 0.283%Above | 254 | |
34 | ON Q FINANCIAL, LLCIndependent Mortgage Company | Strong | Strong | Strong | Sound | Strong | $2,576Fees | 0.076%Below | 237 | |
35 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,761Fees | 0.489%Above | 3,251 | |
36 | V.I.P. MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,382Fees | 0.448%Above | 2,318 | |
37 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,451Fees | 0.478%Above | 2,267 | |
38 | Wells Fargo Bank, National AssociationBank | Strong | Sound | Exceptional | Sound | Strong | $2,224Fees | 0.107%Above | 821 | |
39 | SUN AMERICAN MORTGAGE COMPANYIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $2,208Fees | 0.234%Above | 255 | |
40 | OCMBC, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $4,674Fees | 0.506%Above | 241 | |
41 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,453Fees | 0.556%Above | 1,004 | |
42 | MORIA DEVELOPMENT, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $4,435Fees | 0.510%Above | 667 | |
43 | HOMEOWNERS FINANCIAL GROUP USA, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $3,219Fees | 0.371%Above | 663 | |
44 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,554Fees | 0.275%Above | 618 | |
45 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,555Fees | 0.284%Above | 387 | |
46 | GoodLeap, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $5,022Fees | 0.085%Below | 287 | |
47 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,337Fees | 0.339%Above | 246 | |
48 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,783Fees | 0.346%Above | 241 | |
49 | Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,817Fees | 0.176%Above | 210 | |
50 | ZILLOW HOME LOANS, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $3,045Fees | 0.332%Above | 673 |
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.