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 | $1,122Fees | 0.789%Below | 2,479 | |
2 | Amarillo National BankBank | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $1,156Fees | 0.154%Above | 838 | |
3 | PRIORITY HOME MORTGAGE, L.P.Independent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Exceptional | $731Fees | 0.467%Below | 1,237 | |
4 | PARKSTONE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Exceptional | $989Fees | 0.581%Below | 1,062 | |
5 | JET HOMELOANS, LPIndependent Mortgage Company | Exceptional | Exceptional | Strong | Exceptional | Strong | $2,640Fees | 0.126%Below | 945 | |
6 | ALLIANCE CREDIT UNIONCredit Union | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,177Fees | 0.165%Above | 832 | |
7 | BHOME MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,005Fees | 0.135%Below | 743 | |
8 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,886Fees | 0.086%Above | 4,738 | |
9 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,439Fees | 0.092%Above | 3,217 | |
10 | First Financial Bank, National AssociationBank | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,387Fees | 0.482%Above | 2,119 | |
11 | Cadence BankBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,402Fees | 0.045%Above | 2,034 | |
12 | INTERLINC MORTGAGE SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,315Fees | 0.128%Below | 1,267 | |
13 | DIRECTIONS EQUITY, LLCIndependent Mortgage Company | Exceptional | Strong | Strong | Exceptional | Exceptional | $2,236Fees | 0.219%Above | 1,125 | |
14 | Texas Tech Federal Credit UnionCredit Union | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,615Fees | 0.232%Above | 812 | |
15 | REPUBLIC STATE MORTGAGE CO.Independent Mortgage Company | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,799Fees | 0.095%Above | 781 | |
16 | First National Bank TexasBank | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,886Fees | 0.002%Above | 750 | |
17 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,559Fees | 0.137%Above | 28,295 | |
18 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Exceptional | $2,030Fees | 0.034%Below | 2,630 | |
19 | SWBC MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,164Fees | 0.308%Above | 1,549 | |
20 | UNIVERSITY Federal Credit UnionCredit Union | Exceptional | Strong | Strong | Strong | Exceptional | $3,378Fees | 0.070%Above | 1,015 | |
21 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,220Fees | 0.003%Above | 7,812 | |
22 | Flagstar Bank, N.A.Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,696Fees | 0.252%Above | 2,694 | |
23 | First United Bank and Trust CompanyBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,333Fees | 0.331%Above | 2,233 | |
24 | M/I FINANCIAL, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $5,219Fees | 0.277%Below | 1,888 | |
25 | MORTGAGE FINANCIAL SERVICES, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,478Fees | 0.430%Above | 1,649 | |
26 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $1,142Fees | 0.051%Below | 1,555 | |
27 | CLM MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Strong | Exceptional | Exceptional | $3,859Fees | 0.153%Above | 1,554 | |
28 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,574Fees | 0.762%Above | 1,364 | |
29 | LENDLO MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,716Fees | 0.375%Below | 1,011 | |
30 | GoodLeap, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $3,038Fees | 0.158%Above | 900 | |
31 | TOWNE MORTGAGE COMPANYIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,728Fees | 0.318%Above | 701 | |
32 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,996Fees | 0.409%Above | 21,383 | |
33 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,480Fees | 0.437%Above | 6,671 | |
34 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,048Fees | 0.203%Above | 5,576 | |
35 | CORNERSTONE CAPITAL BANK, SSBBank | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,496Fees | 0.105%Above | 2,043 | |
36 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,636Fees | 0.364%Above | 1,555 | |
37 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,619Fees | 0.337%Above | 1,517 | |
38 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,856Fees | 0.392%Above | 1,478 | |
39 | Plains Commerce BankBank | Strong | Sound | Exceptional | Strong | Strong | $2,903Fees | 0.292%Above | 927 | |
40 | City BankBank | Strong | Sound | Strong | Strong | Exceptional | $2,430Fees | 0.357%Above | 855 | |
41 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,066Fees | 0.215%Above | 7,909 | |
42 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,075Fees | 0.465%Above | 5,244 | |
43 | SFMC, LPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,176Fees | 0.281%Above | 3,353 | |
44 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,013Fees | 0.219%Above | 3,216 | |
45 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,933Fees | 0.427%Above | 2,838 | |
46 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,840Fees | 0.504%Above | 2,225 | |
47 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,338Fees | 0.302%Above | 2,180 | |
48 | Gateway First BankBank | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,700Fees | 0.465%Above | 2,008 | |
49 | AMERICAN PORTFOLIO MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,655Fees | 0.453%Above | 1,954 | |
50 | LOANPEOPLE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | Exceptional | $3,565Fees | 0.232%Above | 1,443 |
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.