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 | $969Fees | 0.871%Below | 625 | |
2 | PRIORITY HOME MORTGAGE, L.P.Independent Mortgage Company | Exceptional | Exceptional | Strong | Exceptional | $1,381Fees | 1.022%Below | 265 | |
3 | PARKSTONE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Exceptional | Sound | Exceptional | $1,346Fees | 0.730%Below | 276 | |
4 | AAXY L.L.C.Independent Mortgage Company | Exceptional | Exceptional | Strong | Strong | $449Credit | 0.504%Below | 139 | |
5 | SOUTHERN LENDING SERVICES, LTD.Independent Mortgage Company | Exceptional | Exceptional | Strong | Strong | $1,084Fees | 0.380%Below | 135 | |
6 | HOME FINANCING UNLIMITED, INC.Independent Mortgage Company | Exceptional | Strong | Strong | Exceptional | $2,474Fees | 0.579%Below | 432 | |
7 | PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company | Exceptional | Exceptional | Sound | Strong | $379Fees | 0.220%Below | 287 | |
8 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $2,008Fees | 0.010%Below | 2,666 | |
9 | JET HOMELOANS, LPIndependent Mortgage Company | Strong | Strong | Strong | Strong | $3,057Fees | 0.114%Below | 198 | |
10 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | $1,875Fees | 0.259%Below | 1,028 | |
11 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | $1,639Fees | 0.080%Above | 295 | |
12 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $1,690Fees | 0.155%Below | 1,568 | |
13 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $4,150Fees | 0.269%Above | 1,422 | |
14 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,536Fees | 0.270%Above | 783 | |
15 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,569Fees | 0.064%Below | 398 | |
16 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | $1,041Fees | 0.627%Above | 288 | |
17 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $2,040Fees | 0.074%Below | 270 | |
18 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Strong | $2,513Fees | 0.079%Above | 203 | |
19 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $1,493Fees | 0.098%Above | 179 | |
20 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | $1,951Fees | 0.005%Below | 150 | |
21 | LOANPEOPLE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $3,362Fees | 0.090%Above | 699 | |
22 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $4,230Fees | 0.293%Above | 328 | |
23 | M/I FINANCIAL, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $6,023Fees | 0.186%Below | 310 | |
24 | SFMC, LPIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $3,400Fees | 0.150%Below | 304 | |
25 | CLM MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $3,109Fees | 0.219%Above | 298 | |
26 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,883Fees | 0.150%Above | 286 | |
27 | AMERIHOME MORTGAGE COMPANY, LLCIndependent Mortgage Company | Strong | Sound | Sound | Strong | $1,748Fees | 0.170%Above | 169 | |
28 | SWBC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,562Fees | 0.098%Above | 124 | |
29 | V.I.P. MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $1,191Fees | 0.101%Below | 106 | |
30 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,617Fees | 0.604%Below | 102 | |
31 | HIGHLAND HOMELOANS, LLCIndependent Mortgage Company | Strong | Sound | Sound | Strong | $3,467Fees | 0.372%Below | 79 | |
32 | TEXAS MORTGAGE LENDING, LLCIndependent Mortgage Company | Strong | Sound | Sound | Strong | $2,474Fees | 0.248%Above | 71 | |
33 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,300Fees | 1.249%Above | 266 | |
34 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,700Fees | 0.420%Above | 216 | |
35 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,074Fees | 0.167%Above | 188 | |
36 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $4,665Fees | 0.355%Above | 188 | |
37 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,218Fees | 0.268%Above | 179 | |
38 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,638Fees | 0.293%Above | 171 | |
39 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,417Fees | 0.234%Above | 166 | |
40 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,692Fees | 0.173%Above | 127 | |
41 | CRESTMARK MORTGAGE COMPANY, LTD.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,915Fees | 0.504%Below | 121 | |
42 | ZILLOW HOME LOANS, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,199Fees | 0.289%Above | 93 | |
43 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,847Fees | 0.058%Above | 88 | |
44 | INTERLINC MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $1,133Fees | 0.587%Below | 80 | |
45 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,294Fees | 0.665%Above | 74 | |
46 | EVERETT FINANCIAL, INC.Independent Mortgage Company | Sound | Mediocre | Exceptional | Strong | $3,886Fees | 0.536%Above | 242 | |
47 | NEWREZ LLCIndependent Mortgage Company | Sound | Acceptable | Sound | Strong | $2,893Fees | 0.190%Above | 224 | |
48 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Acceptable | Sound | Strong | $3,468Fees | 0.419%Above | 173 | |
49 | ENCOMPASS LENDING GROUP, LPIndependent Mortgage Company | Sound | Acceptable | Sound | Strong | $2,290Fees | 0.276%Above | 113 | |
50 | OriginPoint, LLCIndependent Mortgage Company | Sound | Acceptable | Sound | Strong | $3,109Fees | 0.172%Above | 101 |
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.