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