Safe Rate Rankings
Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.
| 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 | CLM MORTGAGE, INC.Independent Mortgage Company | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $3,859Fees | 0.153%Above | 1,554 | |
3 | LENDLO MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Exceptional | Exceptional | Exceptional | Strong | $2,716Fees | 0.375%Below | 1,011 | |
4 | JET HOMELOANS, LPIndependent Mortgage Company | Exceptional | Exceptional | Exceptional | Exceptional | Strong | $2,640Fees | 0.126%Below | 945 | |
5 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,559Fees | 0.137%Above | 28,295 | |
6 | INTERLINC MORTGAGE SERVICES, LLCIndependent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Exceptional | $2,315Fees | 0.128%Below | 1,267 | |
7 | PRIORITY HOME MORTGAGE, L.P.Independent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Exceptional | $731Fees | 0.467%Below | 1,237 | |
8 | CRESTMARK MORTGAGE COMPANY, LTD.Independent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Exceptional | $4,105Fees | 0.136%Below | 1,124 | |
9 | PARKSTONE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Exceptional | $989Fees | 0.581%Below | 1,062 | |
10 | BHOME MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,005Fees | 0.135%Below | 743 | |
11 | SFMC, LPIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $4,176Fees | 0.281%Above | 3,353 | |
12 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,439Fees | 0.092%Above | 3,217 | |
13 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $3,013Fees | 0.219%Above | 3,216 | |
14 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,030Fees | 0.034%Below | 2,630 | |
15 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,574Fees | 0.762%Above | 1,364 | |
16 | DIRECTIONS EQUITY, LLCIndependent Mortgage Company | Exceptional | Strong | Strong | Exceptional | Exceptional | $2,236Fees | 0.219%Above | 1,125 | |
17 | REPUBLIC STATE MORTGAGE CO.Independent Mortgage Company | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,799Fees | 0.095%Above | 781 | |
18 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,066Fees | 0.215%Above | 7,909 | |
19 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $4,048Fees | 0.203%Above | 5,576 | |
20 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,886Fees | 0.086%Above | 4,738 | |
21 | M/I FINANCIAL, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $5,219Fees | 0.277%Below | 1,888 | |
22 | SWBC MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,164Fees | 0.308%Above | 1,549 | |
23 | KIND LENDING, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,619Fees | 0.337%Above | 1,517 | |
24 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,868Fees | 0.068%Above | 897 | |
25 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,220Fees | 0.003%Above | 7,812 | |
26 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,338Fees | 0.302%Above | 2,180 | |
27 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,594Fees | 0.377%Above | 1,898 | |
28 | TOWNE MORTGAGE COMPANYIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,728Fees | 0.318%Above | 701 | |
29 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,996Fees | 0.409%Above | 21,383 | |
30 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,480Fees | 0.437%Above | 6,671 | |
31 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,724Fees | 0.385%Above | 1,993 | |
32 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,636Fees | 0.364%Above | 1,555 | |
33 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,856Fees | 0.392%Above | 1,478 | |
34 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,086Fees | 0.270%Above | 1,202 | |
35 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,304Fees | 0.538%Above | 5,495 | |
36 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,075Fees | 0.465%Above | 5,244 | |
37 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,501Fees | 0.575%Above | 5,161 | |
38 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,933Fees | 0.427%Above | 2,838 | |
39 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,575Fees | 0.480%Above | 2,580 | |
40 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,840Fees | 0.504%Above | 2,225 | |
41 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,572Fees | 0.430%Above | 2,173 | |
42 | MORTGAGE FINANCIAL SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,478Fees | 0.430%Above | 1,649 | |
43 | NATIONS RELIABLE LENDING, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $4,195Fees | 0.523%Above | 2,241 | |
44 | AMERICAN PORTFOLIO MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $3,655Fees | 0.453%Above | 1,954 | |
45 | V.I.P. MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,277Fees | 0.177%Above | 1,083 | |
46 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,802Fees | 0.476%Above | 1,056 | |
47 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,659Fees | 0.171%Above | 823 | |
48 | PILGRIM MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $3,958Fees | 0.340%Above | 796 | |
49 | MORTGAGE SOLUTIONS OF COLORADO, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,268Fees | 0.650%Above | 762 | |
50 | DAS Acquisition Company, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,044Fees | 0.427%Above | 718 |
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.