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 | Strong | $1,389Fees | 0.656%Below | 462 | |
2 | BHOME MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,049Fees | 0.126%Below | 643 | |
3 | PRIORITY HOME MORTGAGE, L.P.Independent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Exceptional | $376Fees | 0.063%Below | 591 | |
4 | JET HOMELOANS, LPIndependent Mortgage Company | Exceptional | Exceptional | Strong | Exceptional | Strong | $2,683Fees | 0.259%Above | 300 | |
5 | FIRST CONTINENTAL MORTGAGE, LTD.Independent Mortgage Company | Exceptional | Exceptional | Strong | Exceptional | Strong | $302Fees | 0.620%Below | 167 | |
6 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,270Fees | 0.236%Above | 1,138 | |
7 | MATTAMY HOME FUNDING, LLCIndependent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Strong | $433Fees | 0.360%Above | 184 | |
8 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,732Fees | 0.065%Above | 6,943 | |
9 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,260Fees | 0.117%Above | 618 | |
10 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $3,943Fees | 0.348%Above | 355 | |
11 | Cadence BankBank | Exceptional | Strong | Exceptional | Strong | Strong | $2,583Fees | 0.134%Above | 345 | |
12 | REPUBLIC STATE MORTGAGE CO.Independent Mortgage Company | Exceptional | Strong | Strong | Exceptional | Strong | $1,040Fees | 0.156%Below | 309 | |
13 | First Financial Bank, National AssociationBank | Exceptional | Strong | Strong | Exceptional | Strong | $1,354Fees | 0.586%Above | 283 | |
14 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,064Fees | 0.072%Above | 1,855 | |
15 | M/I FINANCIAL, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,488Fees | 0.128%Above | 642 | |
16 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $1,279Fees | 0.072%Below | 631 | |
17 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $1,721Fees | 0.006%Above | 628 | |
18 | First United Bank and Trust CompanyBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,376Fees | 0.363%Above | 584 | |
19 | SWBC MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,250Fees | 0.306%Above | 283 | |
20 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,973Fees | 0.327%Above | 4,582 | |
21 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,727Fees | 0.062%Below | 1,526 | |
22 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,305Fees | 0.379%Above | 1,139 | |
23 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,133Fees | 0.301%Above | 417 | |
24 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $2,486Fees | 0.156%Above | 323 | |
25 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,164Fees | 0.350%Above | 288 | |
26 | CLM MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Strong | Exceptional | Strong | $4,156Fees | 0.126%Above | 214 | |
27 | PLANET HOME LENDING, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,170Fees | 0.101%Above | 213 | |
28 | MORTGAGE FINANCIAL SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,849Fees | 0.370%Above | 191 | |
29 | Plains Commerce BankBank | Strong | Sound | Exceptional | Strong | Strong | $3,470Fees | 0.295%Above | 170 | |
30 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,365Fees | 1.041%Above | 153 | |
31 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Sound | Exceptional | $2,176Fees | 0.050%Above | 1,968 | |
32 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,536Fees | 0.118%Above | 1,267 | |
33 | SFMC, LPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,450Fees | 0.340%Above | 1,257 | |
34 | AMERICAN PORTFOLIO MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,695Fees | 0.445%Above | 1,083 | |
35 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,854Fees | 0.140%Above | 979 | |
36 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,393Fees | 0.388%Above | 910 | |
37 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,364Fees | 0.163%Above | 669 | |
38 | CORNERSTONE CAPITAL BANK, SSBBank | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,916Fees | 0.050%Below | 470 | |
39 | TexasBankBank | Strong | Sound | Strong | Sound | Exceptional | $3,421Fees | 1.488%Above | 440 | |
40 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $3,340Fees | 0.351%Above | 353 | |
41 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,058Fees | 0.020%Above | 294 | |
42 | BROOKHOLLOW MORTGAGE SERVICES, LTD.Independent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $6,618Fees | 0.624%Above | 255 | |
43 | First BankBank | Strong | Sound | Strong | Strong | Strong | $3,821Fees | 0.255%Above | 230 | |
44 | AML FUNDING LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $2,207Fees | 0.256%Above | 194 | |
45 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,971Fees | 0.674%Above | 172 | |
46 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,054Fees | 0.387%Above | 657 | |
47 | INTEGRITY MORTGAGE CORPORATION OF TEXASIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $4,756Fees | 0.260%Above | 402 | |
48 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,916Fees | 0.440%Above | 368 | |
49 | THE MORTGAGE LINK, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,359Fees | 0.396%Above | 345 | |
50 | Independent BankBank | Strong | Acceptable | Strong | Strong | Exceptional | $974Fees | 0.184%Below | 301 |
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.