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Safe Rate Rankings
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | VELOCIO MORTGAGE L.L.C. | Exceptional | Exceptional | Exceptional | Exceptional | $1,333 | -1.089% | 682 | |
2 | RANDOLPH-BROOKS FEDERAL CREDIT UNION | Exceptional | Exceptional | Strong | Exceptional | $375 | +0.398% | 1,368 | |
3 | SECURITY SERVICE FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Exceptional | -$308 | +0.087% | 499 | |
4 | PRIORITY HOME MORTGAGE, L.P. | Exceptional | Exceptional | Strong | Strong | $957 | -1.104% | 162 | |
5 | SOUTHERN LENDING SERVICES, LTD. | Exceptional | Exceptional | Strong | Strong | $1,895 | -0.730% | 76 | |
6 | PARKSTONE MORTGAGE, LLC | Exceptional | Exceptional | Sound | Strong | $987 | -0.862% | 316 | |
7 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $1,044 | -0.572% | 301 | |
8 | Frost Bank | Exceptional | Exceptional | Sound | Strong | -$620 | -0.515% | 163 | |
9 | CREDIT HUMAN FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $776 | +0.162% | 86 | |
10 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $3,099 | -0.024% | 1,858 | |
11 | DIRECTIONS EQUITY, LLC | Strong | Sound | Exceptional | Exceptional | $1,735 | +0.049% | 703 | |
12 | LENDLO MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,474 | -0.857% | 567 | |
13 | Bank of America, National Association | Strong | Strong | Strong | Strong | $2,368 | -0.098% | 131 | |
14 | NBKC BANK | Strong | Exceptional | Sound | Sound | $583 | -0.350% | 84 | |
15 | JET HOMELOANS, LP | Strong | Strong | Strong | Strong | $1,606 | -0.789% | 77 | |
16 | PROVIDENT FUNDING ASSOCIATES, L.P. | Strong | Exceptional | Sound | Sound | $1,107 | -0.199% | 75 | |
17 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Exceptional | $1,220 | -0.547% | 984 | |
18 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Exceptional | $3,150 | +0.071% | 816 | |
19 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | $2,168 | -0.179% | 438 | |
20 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $1,700 | +0.055% | 167 | |
21 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,208 | +0.420% | 1,717 | |
22 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $3,447 | +0.167% | 350 | |
23 | INSPIRE HOME LOANS INC. | Strong | Sound | Strong | Strong | $2,179 | +0.775% | 348 | |
24 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,866 | +0.070% | 340 | |
25 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $2,013 | -0.264% | 228 | |
26 | BAY EQUITY LLC | Strong | Sound | Strong | Strong | $2,799 | +0.087% | 111 | |
27 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | $4,104 | +0.025% | 491 | |
28 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $4,498 | +0.453% | 491 | |
29 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $3,671 | +0.073% | 489 | |
30 | PILGRIM MORTGAGE LLC | Strong | Acceptable | Strong | Exceptional | $4,351 | +0.335% | 446 | |
31 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $3,886 | +0.373% | 250 | |
32 | Jefferson Bank | Strong | Acceptable | Strong | Exceptional | $2,781 | +0.165% | 244 | |
33 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $4,794 | +0.216% | 201 | |
34 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $3,689 | +0.119% | 197 | |
35 | DAS Acquisition Company, LLC | Strong | Acceptable | Exceptional | Strong | $3,957 | +0.384% | 185 | |
36 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $3,095 | +0.336% | 167 | |
37 | USAA Federal Savings Bank | Strong | Sound | Sound | Strong | $1,948 | -0.151% | 161 | |
38 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | $5,175 | +0.351% | 142 | |
39 | GoodLeap, LLC | Strong | Sound | Sound | Strong | $2,770 | +0.393% | 91 | |
40 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $2,183 | +0.588% | 744 | |
41 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $4,024 | +0.502% | 496 | |
42 | CORNERSTONE CAPITAL BANK, SSB | Strong | Acceptable | Strong | Strong | $4,126 | +0.080% | 447 | |
43 | M/I FINANCIAL, LLC | Strong | Acceptable | Strong | Strong | $6,049 | -0.770% | 364 | |
44 | Gateway First Bank | Strong | Acceptable | Strong | Strong | $3,951 | +0.397% | 285 | |
45 | LOWER, LLC | Strong | Acceptable | Strong | Strong | $4,639 | +0.290% | 281 | |
46 | CRESTMARK MORTGAGE COMPANY, LTD. | Strong | Acceptable | Strong | Strong | $2,961 | -0.752% | 261 | |
47 | CLM MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | $3,486 | +0.213% | 249 | |
48 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $3,813 | +0.515% | 211 | |
49 | First United Bank and Trust Company | Strong | Acceptable | Strong | Strong | $2,782 | +0.241% | 169 | |
50 | BROOKHOLLOW MORTGAGE SERVICES, LTD. | Strong | Acceptable | Strong | Strong | $2,322 | -1.198% | 166 |
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.
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