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 | LENDLO MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Exceptional | Exceptional | Exceptional | Exceptional | $2,474Fees | 0.857%Below | 567 | |
3 | JET HOMELOANS, LPIndependent Mortgage Company | Exceptional | Exceptional | Exceptional | Exceptional | Strong | $1,606Fees | 0.789%Below | 77 | |
4 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $3,099Fees | 0.024%Below | 1,858 | |
5 | CLM MORTGAGE, INC.Independent Mortgage Company | Exceptional | Exceptional | Strong | Exceptional | Strong | $3,486Fees | 0.213%Above | 249 | |
6 | SOUTHERN LENDING SERVICES, LTD.Independent Mortgage Company | Exceptional | Exceptional | Strong | Exceptional | Strong | $1,895Fees | 0.730%Below | 76 | |
7 | DIRECTIONS EQUITY, LLCIndependent Mortgage Company | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,735Fees | 0.049%Above | 703 | |
8 | CORNERSTONE CAPITAL BANK, SSBBank | Exceptional | Strong | Exceptional | Exceptional | Strong | $4,126Fees | 0.080%Above | 447 | |
9 | PARKSTONE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Strong | $987Fees | 0.862%Below | 316 | |
10 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,044Fees | 0.572%Below | 301 | |
11 | CRESTMARK MORTGAGE COMPANY, LTD.Independent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Strong | $2,961Fees | 0.752%Below | 261 | |
12 | PRIORITY HOME MORTGAGE, L.P.Independent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Strong | $957Fees | 1.104%Below | 162 | |
13 | NBKC BANKBank | Exceptional | Exceptional | Exceptional | Strong | Sound | $583Fees | 0.350%Below | 84 | |
14 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Exceptional | $3,150Fees | 0.071%Above | 816 | |
15 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $3,447Fees | 0.167%Above | 350 | |
16 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,179Fees | 0.775%Above | 348 | |
17 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,866Fees | 0.070%Above | 340 | |
18 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,013Fees | 0.264%Below | 228 | |
19 | SFMC, LPIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $3,742Fees | 0.298%Above | 148 | |
20 | KIND LENDING, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,809Fees | 0.140%Above | 141 | |
21 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,220Fees | 0.547%Below | 984 | |
22 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $4,104Fees | 0.025%Above | 491 | |
23 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,671Fees | 0.073%Above | 489 | |
24 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,168Fees | 0.179%Below | 438 | |
25 | M/I FINANCIAL, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $6,049Fees | 0.770%Below | 364 | |
26 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,689Fees | 0.119%Above | 197 | |
27 | SWBC MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,095Fees | 0.336%Above | 167 | |
28 | USAA Federal Savings BankBank | Exceptional | Strong | Exceptional | Sound | Strong | $1,948Fees | 0.151%Below | 161 | |
29 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,208Fees | 0.420%Above | 1,717 | |
30 | Gateway First BankBank | Strong | Sound | Exceptional | Strong | Strong | $3,951Fees | 0.397%Above | 285 | |
31 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,834Fees | 0.320%Above | 270 | |
32 | First United Bank and Trust CompanyBank | Strong | Sound | Exceptional | Strong | Strong | $2,782Fees | 0.241%Above | 169 | |
33 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $2,529Fees | 0.221%Above | 125 | |
34 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,604Fees | 0.086%Above | 115 | |
35 | PENTAGON FEDERAL CREDIT UNIONCredit Union | Strong | Strong | Exceptional | Sound | Sound | $2,814Fees | 0.163%Below | 75 | |
36 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,886Fees | 0.373%Above | 250 | |
37 | Wells Fargo Bank, National AssociationBank | Strong | Sound | Exceptional | Sound | Strong | $1,700Fees | 0.055%Above | 167 | |
38 | Primis Mortgage CompanyIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $3,273Fees | 0.252%Above | 103 | |
39 | Plains Commerce BankBank | Strong | Sound | Exceptional | Strong | Sound | $2,223Fees | 0.270%Above | 82 | |
40 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,667Fees | 0.370%Above | 75 | |
41 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,183Fees | 0.588%Above | 744 | |
42 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,024Fees | 0.502%Above | 496 | |
43 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,498Fees | 0.453%Above | 491 | |
44 | PILGRIM MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $4,351Fees | 0.335%Above | 446 | |
45 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,639Fees | 0.290%Above | 281 | |
46 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,813Fees | 0.515%Above | 211 | |
47 | V.I.P. MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,794Fees | 0.216%Above | 201 | |
48 | DAS Acquisition Company, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,957Fees | 0.384%Above | 185 | |
49 | BROOKHOLLOW MORTGAGE SERVICES, LTD.Independent Mortgage Company | Strong | Acceptable | Strong | Exceptional | Strong | $2,322Fees | 1.198%Below | 166 | |
50 | MORTGAGE FINANCIAL SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,187Fees | 0.240%Above | 144 |
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.