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 | NBKC BANKBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $824Fees | 0.155%Below | 84 | |
10 | SFMC, LPIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $3,400Fees | 0.150%Below | 304 | |
11 | CORNERSTONE CAPITAL BANK, SSBBank | Exceptional | Strong | Exceptional | Exceptional | Strong | $3,623Fees | 0.162%Above | 235 | |
12 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $817Fees | 0.487%Below | 137 | |
13 | CRESTMARK MORTGAGE COMPANY, LTD.Independent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Strong | $3,915Fees | 0.504%Below | 121 | |
14 | INTERLINC MORTGAGE SERVICES, LLCIndependent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Strong | $1,133Fees | 0.587%Below | 80 | |
15 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,690Fees | 0.155%Below | 1,568 | |
16 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Exceptional | $2,355Fees | 0.003%Below | 784 | |
17 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,569Fees | 0.064%Below | 398 | |
18 | M/I FINANCIAL, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $6,023Fees | 0.186%Below | 310 | |
19 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,041Fees | 0.627%Above | 288 | |
20 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,040Fees | 0.074%Below | 270 | |
21 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,513Fees | 0.079%Above | 203 | |
22 | KIND LENDING, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,638Fees | 0.293%Above | 171 | |
23 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,951Fees | 0.005%Below | 150 | |
24 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,847Fees | 0.058%Above | 88 | |
25 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,875Fees | 0.259%Below | 1,028 | |
26 | First United Bank and Trust CompanyBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,900Fees | 0.237%Above | 525 | |
27 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,639Fees | 0.080%Above | 295 | |
28 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,883Fees | 0.150%Above | 286 | |
29 | SWBC MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,562Fees | 0.098%Above | 124 | |
30 | OriginPoint, LLCIndependent Mortgage Company | Exceptional | Strong | Strong | Strong | Strong | $3,109Fees | 0.172%Above | 101 | |
31 | USAA Federal Savings BankBank | Exceptional | Strong | Exceptional | Sound | Strong | $2,597Fees | 0.217%Below | 94 | |
32 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,150Fees | 0.269%Above | 1,422 | |
33 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,536Fees | 0.270%Above | 783 | |
34 | UNIVERSITY Federal Credit UnionCredit Union | Strong | Sound | Strong | Strong | Exceptional | $3,524Fees | 0.040%Above | 755 | |
35 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,893Fees | 0.190%Above | 224 | |
36 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $2,371Fees | 0.171%Above | 198 | |
37 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,074Fees | 0.167%Above | 188 | |
38 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,417Fees | 0.234%Above | 166 | |
39 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,692Fees | 0.173%Above | 127 | |
40 | Plains Commerce BankBank | Strong | Sound | Exceptional | Strong | Strong | $3,094Fees | 0.164%Above | 95 | |
41 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,617Fees | 0.604%Below | 102 | |
42 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,230Fees | 0.293%Above | 328 | |
43 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,300Fees | 1.249%Above | 266 | |
44 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,700Fees | 0.420%Above | 216 | |
45 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,665Fees | 0.355%Above | 188 | |
46 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,493Fees | 0.098%Above | 179 | |
47 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,218Fees | 0.268%Above | 179 | |
48 | V.I.P. MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,191Fees | 0.101%Below | 106 | |
49 | GOLDEN EMPIRE MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Exceptional | Strong | $4,401Fees | 0.380%Above | 92 | |
50 | ENCOMPASS LENDING GROUP, LPIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $2,290Fees | 0.276%Above | 113 |
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.