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 | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | VELOCIO MORTGAGE L.L.C.Independent Mortgage Company | Exceptional | Exceptional | Exceptional | Exceptional | $969Fees | 0.871%Below | 625 | |
2 | RANDOLPH-BROOKS FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Strong | Exceptional | $326Fees | 0.171%Above | 418 | |
3 | PRIORITY HOME MORTGAGE, L.P.Independent Mortgage Company | Exceptional | Exceptional | Strong | Exceptional | $1,381Fees | 1.022%Below | 265 | |
4 | PARKSTONE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Exceptional | Sound | Exceptional | $1,346Fees | 0.730%Below | 276 | |
5 | AAXY L.L.C.Independent Mortgage Company | Exceptional | Exceptional | Strong | Strong | $449Credit | 0.504%Below | 139 | |
6 | SOUTHERN LENDING SERVICES, LTD.Independent Mortgage Company | Exceptional | Exceptional | Strong | Strong | $1,084Fees | 0.380%Below | 135 | |
7 | HOME FINANCING UNLIMITED, INC.Independent Mortgage Company | Exceptional | Strong | Strong | Exceptional | $2,474Fees | 0.579%Below | 432 | |
8 | PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company | Exceptional | Exceptional | Sound | Strong | $379Fees | 0.220%Below | 287 | |
9 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Sound | Strong | $817Fees | 0.487%Below | 137 | |
10 | Frost BankBank | Exceptional | Exceptional | Sound | Strong | $311Credit | 0.471%Below | 91 | |
11 | NBKC BANKBank | Exceptional | Exceptional | Sound | Strong | $824Fees | 0.155%Below | 84 | |
12 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $2,008Fees | 0.010%Below | 2,666 | |
13 | JET HOMELOANS, LPIndependent Mortgage Company | Strong | Strong | Strong | Strong | $3,057Fees | 0.114%Below | 198 | |
14 | Bank of America, National AssociationBank | Strong | Strong | Strong | Strong | $1,640Fees | 0.155%Below | 185 | |
15 | U.S. Bank National AssociationBank | Strong | Strong | Strong | Strong | $595Fees | 0.106%Below | 183 | |
16 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | $1,875Fees | 0.259%Below | 1,028 | |
17 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Exceptional | $2,355Fees | 0.003%Below | 784 | |
18 | UNIVERSITY Federal Credit UnionCredit Union | Strong | Sound | Strong | Exceptional | $3,524Fees | 0.040%Above | 755 | |
19 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | $1,639Fees | 0.080%Above | 295 | |
20 | Wells Fargo Bank, National AssociationBank | Strong | Strong | Sound | Strong | $2,582Fees | 0.076%Below | 193 | |
21 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $1,690Fees | 0.155%Below | 1,568 | |
22 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $4,150Fees | 0.269%Above | 1,422 | |
23 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,536Fees | 0.270%Above | 783 | |
24 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,569Fees | 0.064%Below | 398 | |
25 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | $1,041Fees | 0.627%Above | 288 | |
26 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $2,040Fees | 0.074%Below | 270 | |
27 | Cadence BankBank | Strong | Sound | Strong | Strong | $2,309Fees | 0.119%Below | 208 | |
28 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Strong | $2,513Fees | 0.079%Above | 203 | |
29 | NexBankBank | Strong | Sound | Strong | Strong | $2,812Fees | 0.151%Above | 182 | |
30 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $1,493Fees | 0.098%Above | 179 | |
31 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | $1,951Fees | 0.005%Below | 150 | |
32 | Florida Capital Bank, National AssociationBank | Strong | Sound | Strong | Strong | $2,160Fees | 0.024%Above | 143 | |
33 | VeraBank, National AssociationBank | Strong | Sound | Strong | Strong | $1,080Fees | 0.591%Above | 140 | |
34 | LOANPEOPLE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $3,362Fees | 0.090%Above | 699 | |
35 | First United Bank and Trust CompanyBank | Strong | Acceptable | Strong | Exceptional | $1,900Fees | 0.237%Above | 525 | |
36 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $4,230Fees | 0.293%Above | 328 | |
37 | M/I FINANCIAL, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $6,023Fees | 0.186%Below | 310 | |
38 | SFMC, LPIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $3,400Fees | 0.150%Below | 304 | |
39 | CLM MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $3,109Fees | 0.219%Above | 298 | |
40 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,883Fees | 0.150%Above | 286 | |
41 | AMERIHOME MORTGAGE COMPANY, LLCIndependent Mortgage Company | Strong | Sound | Sound | Strong | $1,748Fees | 0.170%Above | 169 | |
42 | SWBC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,562Fees | 0.098%Above | 124 | |
43 | V.I.P. MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $1,191Fees | 0.101%Below | 106 | |
44 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,617Fees | 0.604%Below | 102 | |
45 | USAA Federal Savings BankBank | Strong | Sound | Sound | Strong | $2,597Fees | 0.217%Below | 94 | |
46 | HIGHLAND HOMELOANS, LLCIndependent Mortgage Company | Strong | Sound | Sound | Strong | $3,467Fees | 0.372%Below | 79 | |
47 | AmplifyCredit Union | Strong | Sound | Sound | Strong | $2,358Fees | 0.125%Above | 75 | |
48 | TEXAS MORTGAGE LENDING, LLCIndependent Mortgage Company | Strong | Sound | Sound | Strong | $2,474Fees | 0.248%Above | 71 | |
49 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,300Fees | 1.249%Above | 266 | |
50 | CORNERSTONE CAPITAL BANK, SSBBank | Strong | Acceptable | Strong | Strong | $3,623Fees | 0.162%Above | 235 |
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.