Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | VELOCIO MORTGAGE L.L.C.Independent Mortgage Company | Exceptional | Exceptional | Exceptional | Exceptional | $1,883Fees | 1.034%Below | 1,242 | |
2 | PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company | Exceptional | Exceptional | Sound | Strong | $1,814Fees | 0.093%Below | 442 | |
3 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Sound | Strong | $1,045Fees | 0.570%Below | 386 | |
4 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $3,172Fees | 0.130%Above | 10,650 | |
5 | U.S. Bank National AssociationBank | Strong | Strong | Strong | Strong | $290Fees | 0.026%Below | 556 | |
6 | Bank of America, National AssociationBank | Strong | Strong | Strong | Strong | $1,734Fees | 0.097%Below | 451 | |
7 | MATTAMY HOME FUNDING, LLCIndependent Mortgage Company | Strong | Strong | Strong | Strong | $477Fees | 0.455%Above | 404 | |
8 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | $1,462Fees | 0.403%Below | 2,246 | |
9 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Exceptional | $2,561Fees | 0.154%Above | 1,275 | |
10 | Wells Fargo Bank, National AssociationBank | Strong | Strong | Sound | Strong | $2,237Fees | 0.058%Above | 555 | |
11 | ALTITUDE FINANCIAL CORPORATIONIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | $2,107Fees | 0.312%Above | 188 | |
12 | TRUWEST Credit UnionCredit Union | Strong | Strong | Sound | Strong | $2,655Fees | 0.146%Below | 179 | |
13 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | $2,275Fees | 0.235%Above | 161 | |
14 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $4,092Fees | 0.168%Above | 5,365 | |
15 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $4,103Fees | 0.482%Above | 2,471 | |
16 | V.I.P. MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,522Fees | 0.414%Above | 1,599 | |
17 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $4,640Fees | 0.468%Above | 1,246 | |
18 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $2,668Fees | 0.742%Below | 1,004 | |
19 | NOVA FINANCIAL & INVESTMENT CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $2,926Fees | 0.400%Above | 970 | |
20 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $1,889Fees | 0.051%Above | 692 | |
21 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Strong | $3,313Fees | 0.122%Above | 668 | |
22 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | $2,776Fees | 0.213%Above | 610 | |
23 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | $621Fees | 0.580%Above | 549 | |
24 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $3,544Fees | 0.286%Above | 327 | |
25 | NexBankBank | Strong | Sound | Strong | Strong | $1,827Fees | 0.406%Above | 148 | |
26 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $4,369Fees | 0.564%Above | 1,570 | |
27 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,851Fees | 0.138%Above | 724 | |
28 | Bell BankBank | Strong | Acceptable | Exceptional | Strong | $3,401Fees | 0.364%Above | 681 | |
29 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,468Fees | 0.290%Above | 460 | |
30 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,759Fees | 0.394%Above | 454 | |
31 | Nations Lending CorporationIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,252Fees | 0.256%Above | 438 | |
32 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Sound | Strong | $2,802Fees | 0.119%Above | 336 | |
33 | BMO Bank National AssociationBank | Strong | Sound | Sound | Strong | $1,396Fees | 0.133%Above | 239 | |
34 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,213Fees | 0.320%Above | 203 | |
35 | GoodLeap, LLCIndependent Mortgage Company | Strong | Sound | Sound | Strong | $5,042Fees | 0.161%Below | 190 | |
36 | USAA Federal Savings BankBank | Strong | Sound | Sound | Strong | $2,275Fees | 0.066%Below | 152 | |
37 | RESICENTRAL, LLCIndependent Mortgage Company | Strong | Sound | Sound | Strong | $1,952Fees | 0.169%Above | 150 | |
38 | Plains Commerce BankBank | Strong | Acceptable | Strong | Strong | $3,232Fees | 0.211%Above | 763 | |
39 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,008Fees | 0.408%Above | 694 | |
40 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,355Fees | 0.279%Above | 694 | |
41 | ZILLOW HOME LOANS, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,021Fees | 0.325%Above | 631 | |
42 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,095Fees | 0.719%Above | 512 | |
43 | Flagstar Bank, N.A.Bank | Strong | Acceptable | Strong | Strong | $2,804Fees | 0.245%Above | 469 | |
44 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,492Fees | 0.220%Above | 417 | |
45 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $4,952Fees | 1.012%Above | 269 | |
46 | SUN WEST MORTGAGE COMPANY, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $4,880Fees | 0.246%Above | 234 | |
47 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,060Fees | 0.944%Above | 226 | |
48 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,668Fees | 0.337%Above | 199 | |
49 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,432Fees | 0.323%Above | 198 | |
50 | OCMBC, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $4,713Fees | 0.494%Above | 193 |
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.