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 | $1,333Fees | 1.089%Below | 682 | |
2 | JET HOMELOANS, LPIndependent Mortgage Company | Exceptional | Exceptional | Strong | Exceptional | Strong | $1,606Fees | 0.789%Below | 77 | |
3 | DIRECTIONS EQUITY, LLCIndependent Mortgage Company | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,735Fees | 0.049%Above | 703 | |
4 | PARKSTONE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Strong | $987Fees | 0.862%Below | 316 | |
5 | PRIORITY HOME MORTGAGE, L.P.Independent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Strong | $957Fees | 1.104%Below | 162 | |
6 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,099Fees | 0.024%Below | 1,858 | |
7 | LENDLO MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,474Fees | 0.857%Below | 567 | |
8 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,168Fees | 0.179%Below | 438 | |
9 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,866Fees | 0.070%Above | 340 | |
10 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,220Fees | 0.547%Below | 984 | |
11 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $2,013Fees | 0.264%Below | 228 | |
12 | SWBC MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,095Fees | 0.336%Above | 167 | |
13 | NBKC BANKBank | Exceptional | Exceptional | Strong | Sound | Sound | $583Fees | 0.350%Below | 84 | |
14 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,208Fees | 0.420%Above | 1,717 | |
15 | M/I FINANCIAL, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $6,049Fees | 0.770%Below | 364 | |
16 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,179Fees | 0.775%Above | 348 | |
17 | CLM MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Strong | Exceptional | Strong | $3,486Fees | 0.213%Above | 249 | |
18 | First United Bank and Trust CompanyBank | Strong | Sound | Exceptional | Strong | Strong | $2,782Fees | 0.241%Above | 169 | |
19 | MORTGAGE FINANCIAL SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,187Fees | 0.240%Above | 144 | |
20 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,809Fees | 0.140%Above | 141 | |
21 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $2,529Fees | 0.221%Above | 125 | |
22 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Sound | Exceptional | $3,150Fees | 0.071%Above | 816 | |
23 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,104Fees | 0.025%Above | 491 | |
24 | CORNERSTONE CAPITAL BANK, SSBBank | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,126Fees | 0.080%Above | 447 | |
25 | PILGRIM MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | Exceptional | $4,351Fees | 0.335%Above | 446 | |
26 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $2,834Fees | 0.320%Above | 270 | |
27 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,886Fees | 0.373%Above | 250 | |
28 | V.I.P. MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,794Fees | 0.216%Above | 201 | |
29 | BROOKHOLLOW MORTGAGE SERVICES, LTD.Independent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $2,322Fees | 1.198%Below | 166 | |
30 | Primis Mortgage CompanyIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $3,273Fees | 0.252%Above | 103 | |
31 | Plains Commerce BankBank | Strong | Sound | Exceptional | Strong | Sound | $2,223Fees | 0.270%Above | 82 | |
32 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $3,073Fees | 0.482%Above | 76 | |
33 | PENTAGON FEDERAL CREDIT UNIONCredit Union | Strong | Strong | Strong | Sound | Sound | $2,814Fees | 0.163%Below | 75 | |
34 | GARDNER FINANCIAL SERVICES, LTD.Independent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $4,958Fees | 0.330%Above | 649 | |
35 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,498Fees | 0.453%Above | 491 | |
36 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,671Fees | 0.073%Above | 489 | |
37 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,447Fees | 0.167%Above | 350 | |
38 | Gateway First BankBank | Strong | Acceptable | Exceptional | Strong | Strong | $3,951Fees | 0.397%Above | 285 | |
39 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,639Fees | 0.290%Above | 281 | |
40 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,689Fees | 0.119%Above | 197 | |
41 | LOANPEOPLE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | Strong | $5,050Fees | 0.210%Above | 159 | |
42 | SFMC, LPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,742Fees | 0.298%Above | 148 | |
43 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $5,175Fees | 0.351%Above | 142 | |
44 | ZILLOW HOME LOANS, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,669Fees | 0.378%Above | 124 | |
45 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,604Fees | 0.086%Above | 115 | |
46 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,799Fees | 0.087%Above | 111 | |
47 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,916Fees | 0.734%Above | 106 | |
48 | MORTGAGE SOLUTIONS OF COLORADO, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,594Fees | 0.543%Above | 85 | |
49 | Sunflower Bank, National AssociationBank | Strong | Acceptable | Exceptional | Strong | Strong | $3,917Fees | 0.144%Above | 78 | |
50 | CRESTMARK MORTGAGE COMPANY, LTD.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $2,961Fees | 0.752%Below | 261 |
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.