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 | $969Fees | 0.871%Below | 625 | |
2 | HOME FINANCING UNLIMITED, INC.Independent Mortgage Company | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $2,474Fees | 0.579%Below | 432 | |
3 | PARKSTONE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,346Fees | 0.730%Below | 276 | |
4 | PRIORITY HOME MORTGAGE, L.P.Independent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,381Fees | 1.022%Below | 265 | |
5 | JET HOMELOANS, LPIndependent Mortgage Company | Exceptional | Exceptional | Strong | Exceptional | Strong | $3,057Fees | 0.114%Below | 198 | |
6 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,008Fees | 0.010%Below | 2,666 | |
7 | UNIVERSITY Federal Credit UnionCredit Union | Exceptional | Strong | Strong | Strong | Exceptional | $3,524Fees | 0.040%Above | 755 | |
8 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,639Fees | 0.080%Above | 295 | |
9 | Cadence BankBank | Exceptional | Strong | Exceptional | Strong | Strong | $2,309Fees | 0.119%Below | 208 | |
10 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,513Fees | 0.079%Above | 203 | |
11 | Florida Capital Bank, National AssociationBank | Exceptional | Exceptional | Sound | Strong | Strong | $2,160Fees | 0.024%Above | 143 | |
12 | INTERLINC MORTGAGE SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,133Fees | 0.587%Below | 80 | |
13 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,875Fees | 0.259%Below | 1,028 | |
14 | First United Bank and Trust CompanyBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,900Fees | 0.237%Above | 525 | |
15 | M/I FINANCIAL, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $6,023Fees | 0.186%Below | 310 | |
16 | CLM MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Strong | Exceptional | Exceptional | $3,109Fees | 0.219%Above | 298 | |
17 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $2,040Fees | 0.074%Below | 270 | |
18 | SWBC MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,562Fees | 0.098%Above | 124 | |
19 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,150Fees | 0.269%Above | 1,422 | |
20 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,536Fees | 0.270%Above | 783 | |
21 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,569Fees | 0.064%Below | 398 | |
22 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,041Fees | 0.627%Above | 288 | |
23 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $2,371Fees | 0.171%Above | 198 | |
24 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,638Fees | 0.293%Above | 171 | |
25 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,417Fees | 0.234%Above | 166 | |
26 | Plains Commerce BankBank | Strong | Sound | Exceptional | Strong | Strong | $3,094Fees | 0.164%Above | 95 | |
27 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,690Fees | 0.155%Below | 1,568 | |
28 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Sound | Exceptional | $2,355Fees | 0.003%Below | 784 | |
29 | LOANPEOPLE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | Exceptional | $3,362Fees | 0.090%Above | 699 | |
30 | SFMC, LPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,400Fees | 0.150%Below | 304 | |
31 | CORNERSTONE CAPITAL BANK, SSBBank | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,623Fees | 0.162%Above | 235 | |
32 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $2,893Fees | 0.190%Above | 224 | |
33 | First BankBank | Strong | Sound | Strong | Strong | Strong | $3,677Fees | 0.198%Above | 146 | |
34 | V.I.P. MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,191Fees | 0.101%Below | 106 | |
35 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,617Fees | 0.604%Below | 102 | |
36 | TEXAS MORTGAGE LENDING, LLCIndependent Mortgage Company | Strong | Strong | Sound | Sound | Strong | $2,474Fees | 0.248%Above | 71 | |
37 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,230Fees | 0.293%Above | 328 | |
38 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,883Fees | 0.150%Above | 286 | |
39 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,074Fees | 0.167%Above | 188 | |
40 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,665Fees | 0.355%Above | 188 | |
41 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,493Fees | 0.098%Above | 179 | |
42 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,951Fees | 0.005%Below | 150 | |
43 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,692Fees | 0.173%Above | 127 | |
44 | OriginPoint, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $3,109Fees | 0.172%Above | 101 | |
45 | ZILLOW HOME LOANS, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,199Fees | 0.289%Above | 93 | |
46 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,847Fees | 0.058%Above | 88 | |
47 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,294Fees | 0.665%Above | 74 | |
48 | EVERETT FINANCIAL, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $3,886Fees | 0.536%Above | 242 | |
49 | CRESTMARK MORTGAGE COMPANY, LTD.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $3,915Fees | 0.504%Below | 121 | |
50 | AmplifyCredit Union | Strong | Sound | Sound | Sound | Strong | $2,358Fees | 0.125%Above | 75 |
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.