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 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $3,172Fees | 0.130%Above | 10,650 | |
3 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,045Fees | 0.570%Below | 386 | |
4 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Exceptional | $2,561Fees | 0.154%Above | 1,275 | |
5 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,889Fees | 0.051%Above | 692 | |
6 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $3,313Fees | 0.122%Above | 668 | |
7 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,776Fees | 0.213%Above | 610 | |
8 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $290Fees | 0.026%Below | 556 | |
9 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $621Fees | 0.580%Above | 549 | |
10 | MATTAMY HOME FUNDING, LLCIndependent Mortgage Company | Exceptional | Strong | Strong | Exceptional | Strong | $477Fees | 0.455%Above | 404 | |
11 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $3,060Fees | 0.944%Above | 226 | |
12 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,432Fees | 0.323%Above | 198 | |
13 | KIND LENDING, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,881Fees | 0.415%Above | 188 | |
14 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,680Fees | 0.275%Above | 146 | |
15 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,462Fees | 0.403%Below | 2,246 | |
16 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,851Fees | 0.138%Above | 724 | |
17 | Bell BankBank | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,401Fees | 0.364%Above | 681 | |
18 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,468Fees | 0.290%Above | 460 | |
19 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,759Fees | 0.394%Above | 454 | |
20 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,275Fees | 0.235%Above | 161 | |
21 | USAA Federal Savings BankBank | Exceptional | Strong | Exceptional | Sound | Strong | $2,275Fees | 0.066%Below | 152 | |
22 | RESICENTRAL, LLCIndependent Mortgage Company | Exceptional | Strong | Strong | Strong | Strong | $1,952Fees | 0.169%Above | 150 | |
23 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,092Fees | 0.168%Above | 5,365 | |
24 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,103Fees | 0.482%Above | 2,471 | |
25 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,668Fees | 0.742%Below | 1,004 | |
26 | Plains Commerce BankBank | Strong | Sound | Exceptional | Strong | Strong | $3,232Fees | 0.211%Above | 763 | |
27 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,008Fees | 0.408%Above | 694 | |
28 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,355Fees | 0.279%Above | 694 | |
29 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,227Fees | 0.278%Above | 476 | |
30 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $2,804Fees | 0.245%Above | 469 | |
31 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,802Fees | 0.119%Above | 336 | |
32 | SUN WEST MORTGAGE COMPANY, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $4,880Fees | 0.246%Above | 234 | |
33 | ON Q FINANCIAL, LLCIndependent Mortgage Company | Strong | Strong | Strong | Sound | Strong | $2,608Fees | 0.113%Below | 224 | |
34 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,668Fees | 0.337%Above | 199 | |
35 | V.I.P. MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,522Fees | 0.414%Above | 1,599 | |
36 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,369Fees | 0.564%Above | 1,570 | |
37 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,640Fees | 0.468%Above | 1,246 | |
38 | Wells Fargo Bank, National AssociationBank | Strong | Sound | Exceptional | Sound | Strong | $2,237Fees | 0.058%Above | 555 | |
39 | OCMBC, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $4,713Fees | 0.494%Above | 193 | |
40 | ALTITUDE FINANCIAL CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $2,107Fees | 0.312%Above | 188 | |
41 | HOMEOWNERS FINANCIAL GROUP USA, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $3,295Fees | 0.385%Above | 581 | |
42 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,095Fees | 0.719%Above | 512 | |
43 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,492Fees | 0.220%Above | 417 | |
44 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,544Fees | 0.286%Above | 327 | |
45 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,213Fees | 0.320%Above | 203 | |
46 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,863Fees | 0.320%Above | 193 | |
47 | GoodLeap, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $5,042Fees | 0.161%Below | 190 | |
48 | BROOKHOLLOW MORTGAGE SERVICES, LTD.Independent Mortgage Company | Strong | Acceptable | Strong | Exceptional | Strong | $2,495Fees | 0.071%Above | 157 | |
49 | ZILLOW HOME LOANS, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $3,021Fees | 0.325%Above | 631 | |
50 | MORIA DEVELOPMENT, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $4,599Fees | 0.526%Above | 327 |
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.