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 | $1,122Fees | 0.789%Below | 2,479 | |
2 | RANDOLPH-BROOKS FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Strong | Exceptional | $445Fees | 0.281%Above | 2,390 | |
3 | PRIORITY HOME MORTGAGE, L.P.Independent Mortgage Company | Exceptional | Exceptional | Strong | Exceptional | $731Fees | 0.467%Below | 1,237 | |
4 | ALLIANCE CREDIT UNIONCredit Union | Exceptional | Exceptional | Strong | Exceptional | $1,177Fees | 0.165%Above | 832 | |
5 | BHOME MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Exceptional | Strong | Exceptional | $1,005Fees | 0.135%Below | 743 | |
6 | PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company | Exceptional | Exceptional | Sound | Exceptional | $796Fees | 0.194%Below | 2,761 | |
7 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Sound | Exceptional | $943Fees | 0.492%Below | 2,420 | |
8 | PARKSTONE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Exceptional | Sound | Exceptional | $989Fees | 0.581%Below | 1,062 | |
9 | SECURITY SERVICE FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Sound | Exceptional | $320Credit | 0.052%Above | 849 | |
10 | Amarillo National BankBank | Exceptional | Strong | Exceptional | Exceptional | $1,156Fees | 0.154%Above | 838 | |
11 | Texas Tech Federal Credit UnionCredit Union | Exceptional | Strong | Exceptional | Exceptional | $1,615Fees | 0.232%Above | 812 | |
12 | RALLY CREDIT UNIONCredit Union | Exceptional | Exceptional | Sound | Exceptional | $798Fees | 0.354%Above | 797 | |
13 | First National Bank TexasBank | Exceptional | Strong | Exceptional | Exceptional | $1,886Fees | 0.002%Above | 750 | |
14 | Frost BankBank | Exceptional | Exceptional | Sound | Exceptional | $219Credit | 0.379%Below | 703 | |
15 | Bank of America, National AssociationBank | Exceptional | Strong | Strong | Exceptional | $1,765Fees | 0.085%Below | 2,075 | |
16 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $2,559Fees | 0.137%Above | 28,295 | |
17 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $1,886Fees | 0.086%Above | 4,738 | |
18 | Wells Fargo Bank, National AssociationBank | Strong | Strong | Sound | Exceptional | $2,092Fees | 0.102%Above | 2,264 | |
19 | U.S. Bank National AssociationBank | Strong | Strong | Strong | Strong | $1,142Fees | 0.051%Below | 1,555 | |
20 | DIRECTIONS EQUITY, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $2,236Fees | 0.219%Above | 1,125 | |
21 | JET HOMELOANS, LPIndependent Mortgage Company | Strong | Strong | Strong | Strong | $2,640Fees | 0.126%Below | 945 | |
22 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Exceptional | $2,537Fees | 0.100%Above | 8,821 | |
23 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | $2,220Fees | 0.003%Above | 7,812 | |
24 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | $2,439Fees | 0.092%Above | 3,217 | |
25 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Sound | Strong | Exceptional | $3,013Fees | 0.219%Above | 3,216 | |
26 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | $2,030Fees | 0.034%Below | 2,630 | |
27 | Cadence BankBank | Strong | Sound | Strong | Exceptional | $2,402Fees | 0.045%Above | 2,034 | |
28 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Strong | Sound | Strong | Exceptional | $1,574Fees | 0.762%Above | 1,364 | |
29 | UNIVERSITY Federal Credit UnionCredit Union | Strong | Sound | Strong | Exceptional | $3,378Fees | 0.070%Above | 1,015 | |
30 | LENDLO MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | $2,716Fees | 0.375%Below | 1,011 | |
31 | REPUBLIC STATE MORTGAGE CO.Independent Mortgage Company | Strong | Sound | Strong | Exceptional | $1,799Fees | 0.095%Above | 781 | |
32 | TEXAS DOW EMPLOYEES CREDIT UNIONCredit Union | Strong | Sound | Strong | Exceptional | $1,069Fees | 0.479%Above | 761 | |
33 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,996Fees | 0.409%Above | 21,383 | |
34 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,066Fees | 0.215%Above | 7,909 | |
35 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,480Fees | 0.437%Above | 6,671 | |
36 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $4,048Fees | 0.203%Above | 5,576 | |
37 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $4,075Fees | 0.465%Above | 5,244 | |
38 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,840Fees | 0.504%Above | 2,225 | |
39 | First Financial Bank, National AssociationBank | Strong | Acceptable | Exceptional | Exceptional | $1,387Fees | 0.482%Above | 2,119 | |
40 | SWBC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,164Fees | 0.308%Above | 1,549 | |
41 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $2,856Fees | 0.392%Above | 1,478 | |
42 | AMERIHOME MORTGAGE COMPANY, LLCIndependent Mortgage Company | Strong | Sound | Sound | Exceptional | $2,069Fees | 0.174%Above | 1,207 | |
43 | NexBankBank | Strong | Sound | Strong | Strong | $2,910Fees | 0.271%Above | 1,150 | |
44 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $2,659Fees | 0.171%Above | 823 | |
45 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $2,304Fees | 0.538%Above | 5,495 | |
46 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $4,501Fees | 0.575%Above | 5,161 | |
47 | SFMC, LPIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $4,176Fees | 0.281%Above | 3,353 | |
48 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $3,933Fees | 0.427%Above | 2,838 | |
49 | Flagstar Bank, N.A.Bank | Strong | Acceptable | Strong | Exceptional | $2,696Fees | 0.252%Above | 2,694 | |
50 | First United Bank and Trust CompanyBank | Strong | Acceptable | Strong | Exceptional | $2,333Fees | 0.331%Above | 2,233 |
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.