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 | $1,448Fees | 0.501%Below | 193 | |
2 | FBC MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,982Fees | 0.151%Above | 715 | |
3 | JET HOMELOANS, LPIndependent Mortgage Company | Exceptional | Exceptional | Strong | Exceptional | Strong | $2,459Fees | 0.282%Below | 209 | |
4 | PARK SQUARE HOME MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Exceptional | Strong | Exceptional | Strong | $2,704Fees | 0.520%Below | 140 | |
5 | MATTAMY HOME FUNDING, LLCIndependent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Strong | $129Fees | 0.005%Below | 186 | |
6 | First Heritage Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,176Fees | 0.563%Below | 173 | |
7 | TRAILBLAZER MORTGAGE L.L.C.Independent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Strong | $2,264Fees | 1.275%Below | 132 | |
8 | City National Bank of FloridaBank | Exceptional | Exceptional | Strong | Strong | Strong | $2,328Fees | 0.693%Below | 104 | |
9 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,644Fees | 0.306%Above | 4,820 | |
10 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $3,034Fees | 0.217%Above | 507 | |
11 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $1,866Fees | 0.228%Above | 384 | |
12 | SouthState Bank, National AssociationBank | Exceptional | Strong | Strong | Strong | Strong | $3,188Fees | 0.196%Above | 270 | |
13 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,858Fees | 0.432%Below | 118 | |
14 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $1,256Fees | 0.079%Above | 111 | |
15 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,583Fees | 0.233%Above | 2,512 | |
16 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,979Fees | 0.062%Below | 542 | |
17 | THE MORTGAGE FIRM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,746Fees | 0.399%Above | 490 | |
18 | M/I FINANCIAL, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $5,188Fees | 0.125%Below | 363 | |
19 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $3,440Fees | 0.394%Above | 324 | |
20 | Plains Commerce BankBank | Strong | Sound | Exceptional | Strong | Strong | $3,890Fees | 0.372%Above | 305 | |
21 | Truist BankBank | Strong | Strong | Strong | Sound | Strong | $1,117Fees | 0.071%Above | 269 | |
22 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,017Fees | 0.341%Above | 151 | |
23 | RMC HOME MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $4,859Fees | 0.008%Above | 127 | |
24 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,822Fees | 0.433%Above | 113 | |
25 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Sound | Exceptional | $2,713Fees | 0.143%Above | 727 | |
26 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,026Fees | 0.247%Below | 488 | |
27 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $2,943Fees | 0.325%Above | 390 | |
28 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,146Fees | 0.419%Above | 245 | |
29 | Regions BankBank | Strong | Sound | Exceptional | Sound | Strong | $1,868Fees | 0.277%Above | 179 | |
30 | NORTHPOINT MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $1,623Fees | 0.232%Above | 176 | |
31 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,273Fees | 0.476%Above | 171 | |
32 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,542Fees | 0.276%Above | 95 | |
33 | MORTGAGE FINANCIAL GROUP, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $2,637Fees | 0.212%Above | 75 | |
34 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,462Fees | 0.374%Above | 510 | |
35 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,896Fees | 0.597%Above | 360 | |
36 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,437Fees | 0.522%Above | 359 | |
37 | Wells Fargo Bank, National AssociationBank | Strong | Sound | Strong | Sound | Strong | $2,375Fees | 0.087%Below | 289 | |
38 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,129Fees | 0.443%Above | 239 | |
39 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,224Fees | 0.262%Above | 225 | |
40 | CANOPY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,128Fees | 0.313%Above | 200 | |
41 | ZILLOW HOME LOANS, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,828Fees | 0.349%Above | 198 | |
42 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,263Fees | 0.272%Above | 174 | |
43 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,069Fees | 0.229%Above | 152 | |
44 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,390Fees | 0.650%Above | 142 | |
45 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,306Fees | 0.723%Above | 131 | |
46 | OCMBC, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,506Fees | 0.795%Above | 89 | |
47 | HOMESPIRE MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,885Fees | 0.504%Above | 85 | |
48 | PFN Lending Group, Inc.Independent Mortgage Company | Strong | Acceptable | Strong | Exceptional | Strong | $6,020Fees | 0.153%Above | 72 | |
49 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $2,696Fees | 0.281%Above | 351 | |
50 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $5,048Fees | 0.425%Above | 107 |
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.