Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $3,091Fees | 0.535%Above | 111 | |
2 | Premia Mortgage, LLC DBA Premia Relocation MortgageIndependent Mortgage Company | Strong | Exceptional | Sound | Sound | $2,665Fees | 0.336%Below | 25 | |
3 | LRS FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Sound | Strong | Exceptional | $2,278Fees | 0.271%Above | 157 | |
4 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | $3,104Fees | 0.281%Above | 118 | |
5 | DIRECTIONS EQUITY, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | $2,229Fees | 1.102%Above | 65 | |
6 | CHEVRON Federal Credit UnionCredit Union | Strong | Strong | Sound | Strong | $456Fees | 0.200%Below | 44 | |
7 | FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | $3,047Fees | 0.571%Above | 35 | |
8 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $4,678Fees | 0.505%Above | 343 | |
9 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $4,260Fees | 0.350%Above | 164 | |
10 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Strong | $3,162Fees | 0.081%Above | 76 | |
11 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | $3,783Fees | 0.536%Above | 59 | |
12 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,020Fees | 0.563%Above | 49 | |
13 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Sound | $1,519Fees | 0.451%Above | 24 | |
14 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $4,517Fees | 0.523%Above | 106 | |
15 | SFMC, LPIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $6,752Fees | 0.741%Above | 42 | |
16 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | $5,091Fees | 0.404%Above | 20 | |
17 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD.Independent Mortgage Company | Sound | Mediocre | Strong | Exceptional | $4,171Fees | 0.760%Above | 262 | |
18 | EVERETT FINANCIAL, INC.Independent Mortgage Company | Sound | Mediocre | Exceptional | Strong | $3,982Fees | 0.994%Above | 76 | |
19 | RIGHT START MORTGAGE, INC.Independent Mortgage Company | Sound | Mediocre | Exceptional | Strong | $4,386Fees | 1.051%Above | 33 | |
20 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Sound | Acceptable | Strong | Sound | $159Fees | 0.008%Below | 25 | |
21 | City BankBank | Sound | Acceptable | Strong | Sound | $2,145Fees | 0.457%Above | 24 | |
22 | SECURITYNATIONAL MORTGAGE COMPANYIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | $5,879Fees | 0.965%Above | 45 | |
23 | NATIONS RELIABLE LENDING, LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Sound | $4,859Fees | 0.838%Above | 31 |
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.