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 | PRIORITY HOME MORTGAGE, L.P.Independent Mortgage Company | Exceptional | Exceptional | Strong | Exceptional | $731Fees | 0.467%Below | 1,237 | |
3 | BHOME MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Exceptional | Strong | Exceptional | $1,005Fees | 0.135%Below | 743 | |
4 | PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company | Exceptional | Exceptional | Sound | Exceptional | $796Fees | 0.194%Below | 2,761 | |
5 | PARKSTONE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Exceptional | Sound | Exceptional | $989Fees | 0.581%Below | 1,062 | |
6 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $2,559Fees | 0.137%Above | 28,295 | |
7 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $1,886Fees | 0.086%Above | 4,738 | |
8 | DIRECTIONS EQUITY, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $2,236Fees | 0.219%Above | 1,125 | |
9 | JET HOMELOANS, LPIndependent Mortgage Company | Strong | Strong | Strong | Strong | $2,640Fees | 0.126%Below | 945 | |
10 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | $2,220Fees | 0.003%Above | 7,812 | |
11 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | $2,439Fees | 0.092%Above | 3,217 | |
12 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Sound | Strong | Exceptional | $3,013Fees | 0.219%Above | 3,216 | |
13 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | $2,030Fees | 0.034%Below | 2,630 | |
14 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Strong | Sound | Strong | Exceptional | $1,574Fees | 0.762%Above | 1,364 | |
15 | LENDLO MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | $2,716Fees | 0.375%Below | 1,011 | |
16 | REPUBLIC STATE MORTGAGE CO.Independent Mortgage Company | Strong | Sound | Strong | Exceptional | $1,799Fees | 0.095%Above | 781 | |
17 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,996Fees | 0.409%Above | 21,383 | |
18 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,066Fees | 0.215%Above | 7,909 | |
19 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,480Fees | 0.437%Above | 6,671 | |
20 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $4,048Fees | 0.203%Above | 5,576 | |
21 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $4,075Fees | 0.465%Above | 5,244 | |
22 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,840Fees | 0.504%Above | 2,225 | |
23 | SWBC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,164Fees | 0.308%Above | 1,549 | |
24 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $2,856Fees | 0.392%Above | 1,478 | |
25 | AMERIHOME MORTGAGE COMPANY, LLCIndependent Mortgage Company | Strong | Sound | Sound | Exceptional | $2,069Fees | 0.174%Above | 1,207 | |
26 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $2,659Fees | 0.171%Above | 823 | |
27 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $2,304Fees | 0.538%Above | 5,495 | |
28 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $4,501Fees | 0.575%Above | 5,161 | |
29 | SFMC, LPIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $4,176Fees | 0.281%Above | 3,353 | |
30 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $3,933Fees | 0.427%Above | 2,838 | |
31 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $2,338Fees | 0.302%Above | 2,180 | |
32 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $3,572Fees | 0.430%Above | 2,173 | |
33 | AMERICAN PORTFOLIO MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $3,655Fees | 0.453%Above | 1,954 | |
34 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,594Fees | 0.377%Above | 1,898 | |
35 | M/I FINANCIAL, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $5,219Fees | 0.277%Below | 1,888 | |
36 | MORTGAGE FINANCIAL SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $2,478Fees | 0.430%Above | 1,649 | |
37 | CLM MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $3,859Fees | 0.153%Above | 1,554 | |
38 | LOANPEOPLE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $3,565Fees | 0.232%Above | 1,443 | |
39 | INTERLINC MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $2,315Fees | 0.128%Below | 1,267 | |
40 | CRESTMARK MORTGAGE COMPANY, LTD.Independent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $4,105Fees | 0.136%Below | 1,124 | |
41 | V.I.P. MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,277Fees | 0.177%Above | 1,083 | |
42 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,802Fees | 0.476%Above | 1,056 | |
43 | GoodLeap, LLCIndependent Mortgage Company | Strong | Sound | Sound | Strong | $3,038Fees | 0.158%Above | 900 | |
44 | PILGRIM MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $3,958Fees | 0.340%Above | 796 | |
45 | DAS Acquisition Company, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $4,044Fees | 0.427%Above | 718 | |
46 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,636Fees | 0.364%Above | 1,555 | |
47 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,619Fees | 0.337%Above | 1,517 | |
48 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,376Fees | 0.818%Above | 1,273 | |
49 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,086Fees | 0.270%Above | 1,202 | |
50 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $1,868Fees | 0.068%Above | 897 |
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.