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 | CLM MORTGAGE, INC.Independent Mortgage Company | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $3,109Fees | 0.219%Above | 298 | |
4 | JET HOMELOANS, LPIndependent Mortgage Company | Exceptional | Exceptional | Exceptional | Exceptional | Strong | $3,057Fees | 0.114%Below | 198 | |
5 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,008Fees | 0.010%Below | 2,666 | |
6 | PARKSTONE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,346Fees | 0.730%Below | 276 | |
7 | PRIORITY HOME MORTGAGE, L.P.Independent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,381Fees | 1.022%Below | 265 | |
8 | SOUTHERN LENDING SERVICES, LTD.Independent Mortgage Company | Exceptional | Exceptional | Strong | Exceptional | Strong | $1,084Fees | 0.380%Below | 135 | |
9 | SFMC, LPIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $3,400Fees | 0.150%Below | 304 | |
10 | CRESTMARK MORTGAGE COMPANY, LTD.Independent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Strong | $3,915Fees | 0.504%Below | 121 | |
11 | INTERLINC MORTGAGE SERVICES, LLCIndependent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Strong | $1,133Fees | 0.587%Below | 80 | |
12 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,690Fees | 0.155%Below | 1,568 | |
13 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,569Fees | 0.064%Below | 398 | |
14 | M/I FINANCIAL, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $6,023Fees | 0.186%Below | 310 | |
15 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,041Fees | 0.627%Above | 288 | |
16 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,040Fees | 0.074%Below | 270 | |
17 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,513Fees | 0.079%Above | 203 | |
18 | KIND LENDING, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,638Fees | 0.293%Above | 171 | |
19 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,951Fees | 0.005%Below | 150 | |
20 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,847Fees | 0.058%Above | 88 | |
21 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,875Fees | 0.259%Below | 1,028 | |
22 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,639Fees | 0.080%Above | 295 | |
23 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,883Fees | 0.150%Above | 286 | |
24 | SWBC MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,562Fees | 0.098%Above | 124 | |
25 | OriginPoint, LLCIndependent Mortgage Company | Exceptional | Strong | Strong | Strong | Strong | $3,109Fees | 0.172%Above | 101 | |
26 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,150Fees | 0.269%Above | 1,422 | |
27 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,536Fees | 0.270%Above | 783 | |
28 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,893Fees | 0.190%Above | 224 | |
29 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,074Fees | 0.167%Above | 188 | |
30 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,417Fees | 0.234%Above | 166 | |
31 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,692Fees | 0.173%Above | 127 | |
32 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,617Fees | 0.604%Below | 102 | |
33 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,230Fees | 0.293%Above | 328 | |
34 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,300Fees | 1.249%Above | 266 | |
35 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,700Fees | 0.420%Above | 216 | |
36 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,665Fees | 0.355%Above | 188 | |
37 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,493Fees | 0.098%Above | 179 | |
38 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,218Fees | 0.268%Above | 179 | |
39 | V.I.P. MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,191Fees | 0.101%Below | 106 | |
40 | GOLDEN EMPIRE MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Exceptional | Strong | $4,401Fees | 0.380%Above | 92 | |
41 | ENCOMPASS LENDING GROUP, LPIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $2,290Fees | 0.276%Above | 113 | |
42 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $3,294Fees | 0.665%Above | 74 | |
43 | LOANPEOPLE, LLCIndependent Mortgage Company | Strong | Mediocre | Strong | Strong | Exceptional | $3,362Fees | 0.090%Above | 699 | |
44 | EVERETT FINANCIAL, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,886Fees | 0.536%Above | 242 | |
45 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,864Fees | 0.490%Above | 102 | |
46 | GARDNER FINANCIAL SERVICES, LTD.Independent Mortgage Company | Strong | Mediocre | Strong | Exceptional | Strong | $4,349Fees | 0.355%Above | 83 | |
47 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $3,468Fees | 0.419%Above | 173 | |
48 | SECURITYNATIONAL MORTGAGE COMPANYIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $5,295Fees | 0.698%Above | 136 |
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.