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 | Exceptional | $1,883Fees | 1.034%Below | 1,242 | |
2 | MATTAMY HOME FUNDING, LLCIndependent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Strong | $477Fees | 0.455%Above | 404 | |
3 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,172Fees | 0.130%Above | 10,650 | |
4 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $3,313Fees | 0.122%Above | 668 | |
5 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,275Fees | 0.235%Above | 161 | |
6 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,680Fees | 0.275%Above | 146 | |
7 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,462Fees | 0.403%Below | 2,246 | |
8 | NOVA FINANCIAL & INVESTMENT CORPORATIONIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,926Fees | 0.400%Above | 970 | |
9 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $1,889Fees | 0.051%Above | 692 | |
10 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $290Fees | 0.026%Below | 556 | |
11 | GoodLeap, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $5,042Fees | 0.161%Below | 190 | |
12 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,092Fees | 0.168%Above | 5,365 | |
13 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,103Fees | 0.482%Above | 2,471 | |
14 | V.I.P. MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,522Fees | 0.414%Above | 1,599 | |
15 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,668Fees | 0.742%Below | 1,004 | |
16 | Plains Commerce BankBank | Strong | Sound | Exceptional | Strong | Strong | $3,232Fees | 0.211%Above | 763 | |
17 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,355Fees | 0.279%Above | 694 | |
18 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $621Fees | 0.580%Above | 549 | |
19 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $2,804Fees | 0.245%Above | 469 | |
20 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,881Fees | 0.415%Above | 188 | |
21 | ALTITUDE FINANCIAL CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | Strong | $2,107Fees | 0.312%Above | 188 | |
22 | RESICENTRAL, LLCIndependent Mortgage Company | Strong | Strong | Strong | Sound | Strong | $1,952Fees | 0.169%Above | 150 | |
23 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Sound | Exceptional | $2,561Fees | 0.154%Above | 1,275 | |
24 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,640Fees | 0.468%Above | 1,246 | |
25 | HOMEOWNERS FINANCIAL GROUP USA, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,295Fees | 0.385%Above | 581 | |
26 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $2,227Fees | 0.278%Above | 476 | |
27 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,468Fees | 0.290%Above | 460 | |
28 | Nations Lending CorporationIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,252Fees | 0.256%Above | 438 | |
29 | MORIA DEVELOPMENT, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,599Fees | 0.526%Above | 327 | |
30 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,213Fees | 0.320%Above | 203 | |
31 | BROOKHOLLOW MORTGAGE SERVICES, LTD.Independent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $2,495Fees | 0.071%Above | 157 | |
32 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,851Fees | 0.138%Above | 724 | |
33 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,008Fees | 0.408%Above | 694 | |
34 | Bell BankBank | Strong | Acceptable | Exceptional | Strong | Strong | $3,401Fees | 0.364%Above | 681 | |
35 | ZILLOW HOME LOANS, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,021Fees | 0.325%Above | 631 | |
36 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,776Fees | 0.213%Above | 610 | |
37 | Wells Fargo Bank, National AssociationBank | Strong | Sound | Strong | Sound | Strong | $2,237Fees | 0.058%Above | 555 | |
38 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,759Fees | 0.394%Above | 454 | |
39 | EFINITY FINANCIAL INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $6,134Fees | 0.655%Above | 391 | |
40 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,544Fees | 0.286%Above | 327 | |
41 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,952Fees | 1.012%Above | 269 | |
42 | BMO Bank National AssociationBank | Strong | Sound | Strong | Sound | Strong | $1,396Fees | 0.133%Above | 239 | |
43 | SUN WEST MORTGAGE COMPANY, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,880Fees | 0.246%Above | 234 | |
44 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,060Fees | 0.944%Above | 226 | |
45 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,668Fees | 0.337%Above | 199 | |
46 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,432Fees | 0.323%Above | 198 | |
47 | OCMBC, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,713Fees | 0.494%Above | 193 | |
48 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,863Fees | 0.320%Above | 193 | |
49 | Sunflower Bank, National AssociationBank | Strong | Acceptable | Exceptional | Strong | Strong | $2,713Fees | 0.235%Above | 191 | |
50 | ON Q FINANCIAL, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $2,608Fees | 0.113%Below | 224 |
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.