Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | BHOME MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Exceptional | Strong | Exceptional | $1,049Fees | 0.126%Below | 643 | |
2 | PRIORITY HOME MORTGAGE, L.P.Independent Mortgage Company | Exceptional | Exceptional | Strong | Exceptional | $376Fees | 0.063%Below | 591 | |
3 | VELOCIO MORTGAGE L.L.C.Independent Mortgage Company | Exceptional | Exceptional | Exceptional | Strong | $1,389Fees | 0.656%Below | 462 | |
4 | PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company | Exceptional | Exceptional | Sound | Exceptional | $165Fees | 0.216%Below | 1,233 | |
5 | RANDOLPH-BROOKS FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Strong | Strong | $422Fees | 0.117%Below | 175 | |
6 | FIRST CONTINENTAL MORTGAGE, LTD.Independent Mortgage Company | Exceptional | Exceptional | Strong | Strong | $302Fees | 0.620%Below | 167 | |
7 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Sound | Strong | $1,015Fees | 0.517%Below | 397 | |
8 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $1,732Fees | 0.065%Above | 6,943 | |
9 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $2,270Fees | 0.236%Above | 1,138 | |
10 | Bank of America, National AssociationBank | Strong | Strong | Strong | Strong | $1,639Fees | 0.113%Below | 677 | |
11 | U.S. Bank National AssociationBank | Strong | Strong | Strong | Strong | $1,279Fees | 0.072%Below | 631 | |
12 | JET HOMELOANS, LPIndependent Mortgage Company | Strong | Strong | Strong | Strong | $2,683Fees | 0.259%Above | 300 | |
13 | MATTAMY HOME FUNDING, LLCIndependent Mortgage Company | Strong | Strong | Strong | Strong | $433Fees | 0.360%Above | 184 | |
14 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Exceptional | $2,176Fees | 0.050%Above | 1,968 | |
15 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | $2,064Fees | 0.072%Above | 1,855 | |
16 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Sound | Strong | Exceptional | $2,854Fees | 0.140%Above | 979 | |
17 | Wells Fargo Bank, National AssociationBank | Strong | Strong | Sound | Strong | $2,125Fees | 0.097%Above | 461 | |
18 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,973Fees | 0.327%Above | 4,582 | |
19 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,727Fees | 0.062%Below | 1,526 | |
20 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $2,536Fees | 0.118%Above | 1,267 | |
21 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,305Fees | 0.379%Above | 1,139 | |
22 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $1,721Fees | 0.006%Above | 628 | |
23 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Strong | $2,260Fees | 0.117%Above | 618 | |
24 | NexBankBank | Strong | Sound | Strong | Strong | $2,630Fees | 0.268%Above | 403 | |
25 | Cadence BankBank | Strong | Sound | Strong | Strong | $2,583Fees | 0.134%Above | 345 | |
26 | REPUBLIC STATE MORTGAGE CO.Independent Mortgage Company | Strong | Sound | Strong | Strong | $1,040Fees | 0.156%Below | 309 | |
27 | First Horizon BankBank | Strong | Sound | Strong | Strong | $1,527Fees | 0.151%Above | 290 | |
28 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $3,035Fees | 0.196%Above | 233 | |
29 | AML FUNDING LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $2,207Fees | 0.256%Above | 194 | |
30 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | $2,365Fees | 1.041%Above | 153 | |
31 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $4,857Fees | 0.527%Above | 1,326 | |
32 | SFMC, LPIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $4,450Fees | 0.340%Above | 1,257 | |
33 | AMERICAN PORTFOLIO MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $3,695Fees | 0.445%Above | 1,083 | |
34 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $4,393Fees | 0.388%Above | 910 | |
35 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $1,364Fees | 0.163%Above | 669 | |
36 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $4,054Fees | 0.387%Above | 657 | |
37 | M/I FINANCIAL, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $4,488Fees | 0.128%Above | 642 | |
38 | First United Bank and Trust CompanyBank | Strong | Acceptable | Strong | Exceptional | $2,376Fees | 0.363%Above | 584 | |
39 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,916Fees | 0.440%Above | 368 | |
40 | AMERIHOME MORTGAGE COMPANY, LLCIndependent Mortgage Company | Strong | Sound | Sound | Strong | $1,438Fees | 0.078%Above | 360 | |
41 | Independent BankBank | Strong | Acceptable | Strong | Exceptional | $974Fees | 0.184%Below | 301 | |
42 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $4,058Fees | 0.020%Above | 294 | |
43 | SWBC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,250Fees | 0.306%Above | 283 | |
44 | First Financial Bank, National AssociationBank | Strong | Acceptable | Exceptional | Strong | $1,354Fees | 0.586%Above | 283 | |
45 | TEXAS MORTGAGE LENDING, LLCIndependent Mortgage Company | Strong | Sound | Sound | Strong | $2,086Fees | 0.150%Above | 265 | |
46 | HIGHLAND HOMELOANS, LLCIndependent Mortgage Company | Strong | Sound | Sound | Strong | $3,406Fees | 0.213%Below | 231 | |
47 | PLANET HOME LENDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,170Fees | 0.101%Above | 213 | |
48 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,601Fees | 0.249%Above | 190 | |
49 | GoodLeap, LLCIndependent Mortgage Company | Strong | Sound | Sound | Strong | $3,948Fees | 0.183%Above | 178 | |
50 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $4,971Fees | 0.674%Above | 172 |
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.