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 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,559Fees | 0.137%Above | 28,295 | |
3 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $4,075Fees | 0.465%Above | 5,244 | |
4 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,886Fees | 0.086%Above | 4,738 | |
5 | LENDLO MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,716Fees | 0.375%Below | 1,011 | |
6 | ALLIANCE CREDIT UNIONCredit Union | Exceptional | Exceptional | Sound | Strong | Exceptional | $1,177Fees | 0.165%Above | 832 | |
7 | NEWREZ LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,724Fees | 0.385%Above | 1,993 | |
8 | V.I.P. MORTGAGE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $3,277Fees | 0.177%Above | 1,083 | |
9 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,066Fees | 0.215%Above | 7,909 | |
10 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,338Fees | 0.302%Above | 2,180 | |
11 | INTERLINC MORTGAGE SERVICES, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,315Fees | 0.128%Below | 1,267 | |
12 | Plains Commerce BankBank | Exceptional | Strong | Exceptional | Sound | Strong | $2,903Fees | 0.292%Above | 927 | |
13 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Sound | Exceptional | $2,696Fees | 0.252%Above | 2,694 | |
14 | MORTGAGE FINANCIAL SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Exceptional | $2,478Fees | 0.430%Above | 1,649 | |
15 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,619Fees | 0.337%Above | 1,517 | |
16 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Strong | Sound | Exceptional | Sound | Exceptional | $1,574Fees | 0.762%Above | 1,364 | |
17 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,086Fees | 0.270%Above | 1,202 | |
18 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,048Fees | 0.203%Above | 5,576 | |
19 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,013Fees | 0.219%Above | 3,216 | |
20 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,933Fees | 0.427%Above | 2,838 | |
21 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,840Fees | 0.504%Above | 2,225 | |
22 | CORNERSTONE CAPITAL BANK, SSBBank | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,496Fees | 0.105%Above | 2,043 | |
23 | Gateway First BankBank | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,700Fees | 0.465%Above | 2,008 | |
24 | SWBC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,164Fees | 0.308%Above | 1,549 | |
25 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,856Fees | 0.392%Above | 1,478 | |
26 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Exceptional | $2,220Fees | 0.003%Above | 7,812 | |
27 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,376Fees | 0.818%Above | 1,273 | |
28 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,480Fees | 0.437%Above | 6,671 | |
29 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,501Fees | 0.575%Above | 5,161 | |
30 | SFMC, LPIndependent Mortgage Company | Strong | Acceptable | — | Strong | Exceptional | $4,176Fees | 0.281%Above | 3,353 | |
31 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,644Fees | 0.572%Above | 2,793 | |
32 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,575Fees | 0.480%Above | 2,580 | |
33 | NATIONS RELIABLE LENDING, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,195Fees | 0.523%Above | 2,241 | |
34 | RIGHT START MORTGAGE, INC.Independent Mortgage Company | Strong | Mediocre | Strong | Strong | Exceptional | $4,289Fees | 0.772%Above | 1,525 | |
35 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,461Fees | 0.470%Above | 1,170 | |
36 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,802Fees | 0.476%Above | 1,056 | |
37 | DAS Acquisition Company, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,044Fees | 0.427%Above | 718 | |
38 | Click n' Close, Inc.Independent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $5,798Fees | 1.743%Above | 1,284 | |
39 | Synergy One Lending, Inc.Independent Mortgage Company | Sound | Acceptable | Sound | Sound | Strong | $4,517Fees | 0.428%Above | 721 | |
40 | SOUTHWEST FUNDING, LPIndependent Mortgage Company | Sound | Mediocre | Strong | Sound | Strong | $4,752Fees | 0.738%Above | 813 | |
41 | SECURITYNATIONAL MORTGAGE COMPANYIndependent Mortgage Company | Sound | Mediocre | Sound | Acceptable | Exceptional | $4,859Fees | 0.776%Above | 1,203 |
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.