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 | JET HOMELOANS, LPIndependent Mortgage Company | Exceptional | Exceptional | Exceptional | Exceptional | Strong | $2,683Fees | 0.259%Above | 300 | |
3 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $1,732Fees | 0.065%Above | 6,943 | |
4 | BHOME MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,049Fees | 0.126%Below | 643 | |
5 | PRIORITY HOME MORTGAGE, L.P.Independent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Exceptional | $376Fees | 0.063%Below | 591 | |
6 | CLM MORTGAGE, INC.Independent Mortgage Company | Exceptional | Exceptional | Strong | Exceptional | Strong | $4,156Fees | 0.126%Above | 214 | |
7 | FIRST CONTINENTAL MORTGAGE, LTD.Independent Mortgage Company | Exceptional | Exceptional | Strong | Exceptional | Strong | $302Fees | 0.620%Below | 167 | |
8 | SFMC, LPIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $4,450Fees | 0.340%Above | 1,257 | |
9 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,854Fees | 0.140%Above | 979 | |
10 | CORNERSTONE CAPITAL BANK, SSBBank | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,916Fees | 0.050%Below | 470 | |
11 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,015Fees | 0.517%Below | 397 | |
12 | CRESTMARK MORTGAGE COMPANY, LTD.Independent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Strong | $3,714Fees | 0.203%Above | 180 | |
13 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Exceptional | $2,176Fees | 0.050%Above | 1,968 | |
14 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,727Fees | 0.062%Below | 1,526 | |
15 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,536Fees | 0.118%Above | 1,267 | |
16 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,270Fees | 0.236%Above | 1,138 | |
17 | M/I FINANCIAL, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $4,488Fees | 0.128%Above | 642 | |
18 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,279Fees | 0.072%Below | 631 | |
19 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,721Fees | 0.006%Above | 628 | |
20 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,260Fees | 0.117%Above | 618 | |
21 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $3,943Fees | 0.348%Above | 355 | |
22 | REPUBLIC STATE MORTGAGE CO.Independent Mortgage Company | Exceptional | Strong | Strong | Exceptional | Strong | $1,040Fees | 0.156%Below | 309 | |
23 | KIND LENDING, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,164Fees | 0.350%Above | 288 | |
24 | MATTAMY HOME FUNDING, LLCIndependent Mortgage Company | Exceptional | Strong | Strong | Exceptional | Strong | $433Fees | 0.360%Above | 184 | |
25 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,647Fees | 0.829%Above | 156 | |
26 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,365Fees | 1.041%Above | 153 | |
27 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,064Fees | 0.072%Above | 1,855 | |
28 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,364Fees | 0.163%Above | 669 | |
29 | First United Bank and Trust CompanyBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,376Fees | 0.363%Above | 584 | |
30 | SWBC MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,250Fees | 0.306%Above | 283 | |
31 | OriginPoint, LLCIndependent Mortgage Company | Exceptional | Strong | Strong | Strong | Strong | $2,908Fees | 0.268%Above | 237 | |
32 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,601Fees | 0.249%Above | 190 | |
33 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,973Fees | 0.327%Above | 4,582 | |
34 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,305Fees | 0.379%Above | 1,139 | |
35 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,133Fees | 0.301%Above | 417 | |
36 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,340Fees | 0.351%Above | 353 | |
37 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $2,486Fees | 0.156%Above | 323 | |
38 | Gateway First BankBank | Strong | Sound | Exceptional | Strong | Strong | $3,591Fees | 0.444%Above | 251 | |
39 | First BankBank | Strong | Sound | Strong | Exceptional | Strong | $3,821Fees | 0.255%Above | 230 | |
40 | PLANET HOME LENDING, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,170Fees | 0.101%Above | 213 | |
41 | Plains Commerce BankBank | Strong | Sound | Exceptional | Strong | Strong | $3,470Fees | 0.295%Above | 170 | |
42 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,812Fees | 0.062%Above | 167 | |
43 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,632Fees | 0.209%Above | 163 | |
44 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,857Fees | 0.527%Above | 1,326 | |
45 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,393Fees | 0.388%Above | 910 | |
46 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,872Fees | 0.320%Above | 837 | |
47 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,971Fees | 0.674%Above | 172 | |
48 | AMERICAN PORTFOLIO MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $3,695Fees | 0.445%Above | 1,083 | |
49 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,054Fees | 0.387%Above | 657 | |
50 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,348Fees | 0.365%Above | 463 |
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.