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 | First National Bank TexasBank | Exceptional | Exceptional | Exceptional | Exceptional | Exceptional | $1,886Fees | 0.002%Above | 750 | |
3 | CLM MORTGAGE, INC.Independent Mortgage Company | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $3,859Fees | 0.153%Above | 1,554 | |
4 | LENDLO MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Exceptional | Exceptional | Exceptional | Strong | $2,716Fees | 0.375%Below | 1,011 | |
5 | JET HOMELOANS, LPIndependent Mortgage Company | Exceptional | Exceptional | Exceptional | Exceptional | Strong | $2,640Fees | 0.126%Below | 945 | |
6 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,559Fees | 0.137%Above | 28,295 | |
7 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Exceptional | $943Fees | 0.492%Below | 2,420 | |
8 | CORNERSTONE CAPITAL BANK, SSBBank | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $3,496Fees | 0.105%Above | 2,043 | |
9 | INTERLINC MORTGAGE SERVICES, LLCIndependent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Exceptional | $2,315Fees | 0.128%Below | 1,267 | |
10 | PRIORITY HOME MORTGAGE, L.P.Independent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Exceptional | $731Fees | 0.467%Below | 1,237 | |
11 | CRESTMARK MORTGAGE COMPANY, LTD.Independent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Exceptional | $4,105Fees | 0.136%Below | 1,124 | |
12 | PARKSTONE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Exceptional | $989Fees | 0.581%Below | 1,062 | |
13 | BHOME MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,005Fees | 0.135%Below | 743 | |
14 | SFMC, LPIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $4,176Fees | 0.281%Above | 3,353 | |
15 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,439Fees | 0.092%Above | 3,217 | |
16 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $3,013Fees | 0.219%Above | 3,216 | |
17 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,030Fees | 0.034%Below | 2,630 | |
18 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,574Fees | 0.762%Above | 1,364 | |
19 | DIRECTIONS EQUITY, LLCIndependent Mortgage Company | Exceptional | Strong | Strong | Exceptional | Exceptional | $2,236Fees | 0.219%Above | 1,125 | |
20 | Amarillo National BankBank | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,156Fees | 0.154%Above | 838 | |
21 | Texas Tech Federal Credit UnionCredit Union | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,615Fees | 0.232%Above | 812 | |
22 | REPUBLIC STATE MORTGAGE CO.Independent Mortgage Company | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,799Fees | 0.095%Above | 781 | |
23 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Exceptional | $2,537Fees | 0.100%Above | 8,821 | |
24 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,066Fees | 0.215%Above | 7,909 | |
25 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $4,048Fees | 0.203%Above | 5,576 | |
26 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,886Fees | 0.086%Above | 4,738 | |
27 | First Financial Bank, National AssociationBank | Exceptional | Strong | Strong | Strong | Exceptional | $1,387Fees | 0.482%Above | 2,119 | |
28 | M/I FINANCIAL, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $5,219Fees | 0.277%Below | 1,888 | |
29 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,142Fees | 0.051%Below | 1,555 | |
30 | SWBC MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,164Fees | 0.308%Above | 1,549 | |
31 | KIND LENDING, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,619Fees | 0.337%Above | 1,517 | |
32 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,868Fees | 0.068%Above | 897 | |
33 | ALLIANCE CREDIT UNIONCredit Union | Exceptional | Strong | Strong | Strong | Exceptional | $1,177Fees | 0.165%Above | 832 | |
34 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,220Fees | 0.003%Above | 7,812 | |
35 | Flagstar Bank, N.A.Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,696Fees | 0.252%Above | 2,694 | |
36 | First United Bank and Trust CompanyBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,333Fees | 0.331%Above | 2,233 | |
37 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,338Fees | 0.302%Above | 2,180 | |
38 | Gateway First BankBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,700Fees | 0.465%Above | 2,008 | |
39 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,594Fees | 0.377%Above | 1,898 | |
40 | USAA Federal Savings BankBank | Exceptional | Strong | Exceptional | Sound | Strong | $1,839Fees | 0.126%Below | 1,164 | |
41 | City BankBank | Exceptional | Sound | Strong | Exceptional | Exceptional | $2,430Fees | 0.357%Above | 855 | |
42 | TOWNE MORTGAGE COMPANYIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,728Fees | 0.318%Above | 701 | |
43 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,996Fees | 0.409%Above | 21,383 | |
44 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,480Fees | 0.437%Above | 6,671 | |
45 | Cadence BankBank | Strong | Sound | Strong | Strong | Exceptional | $2,402Fees | 0.045%Above | 2,034 | |
46 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,724Fees | 0.385%Above | 1,993 | |
47 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,636Fees | 0.364%Above | 1,555 | |
48 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,856Fees | 0.392%Above | 1,478 | |
49 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,086Fees | 0.270%Above | 1,202 | |
50 | UNIVERSITY Federal Credit UnionCredit Union | Strong | Sound | Strong | Strong | Exceptional | $3,378Fees | 0.070%Above | 1,015 |
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.