Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | DSLD MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Exceptional | Exceptional | Strong | $83Fees | 0.462%Below | 291 | |
2 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Sound | Exceptional | $965Fees | 0.454%Below | 655 | |
3 | REDSTONE Federal Credit UnionCredit Union | Exceptional | Strong | Strong | Exceptional | $1,218Fees | 0.213%Above | 651 | |
4 | Heritage Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Strong | Exceptional | $2,503Fees | 0.129%Below | 397 | |
5 | FBC MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | $2,370Fees | 0.150%Below | 338 | |
6 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $2,862Fees | 0.120%Above | 3,461 | |
7 | Trustmark National BankBank | Strong | Sound | Exceptional | Exceptional | $1,799Fees | 0.253%Above | 1,916 | |
8 | FirstBankBank | Strong | Sound | Exceptional | Exceptional | $2,257Fees | 0.159%Above | 1,072 | |
9 | GMFS LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $2,602Fees | 0.065%Above | 785 | |
10 | ServisFirst BankBank | Strong | Sound | Exceptional | Exceptional | $1,853Fees | 0.169%Above | 316 | |
11 | Bank IndependentBank | Strong | Sound | Exceptional | Exceptional | $2,807Fees | 0.168%Above | 292 | |
12 | Truist BankBank | Strong | Strong | Strong | Strong | $1,893Fees | 0.180%Above | 229 | |
13 | PNC Bank, National AssociationBank | Strong | Strong | Strong | Strong | $637Fees | 0.205%Above | 214 | |
14 | BankPlusBank | Strong | Strong | Strong | Strong | $1,307Fees | 0.035%Above | 158 | |
15 | Tyndall Federal Credit UnionCredit Union | Strong | Strong | Strong | Strong | $1,320Fees | 0.165%Above | 141 | |
16 | U.S. Bank National AssociationBank | Strong | Strong | Strong | Strong | $908Fees | 0.048%Above | 121 | |
17 | Regions BankBank | Strong | Sound | Strong | Exceptional | $1,815Fees | 0.363%Above | 1,890 | |
18 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | $3,190Fees | 0.146%Above | 795 | |
19 | Cadence BankBank | Strong | Sound | Strong | Exceptional | $2,104Fees | 0.191%Above | 756 | |
20 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | $2,146Fees | 0.026%Below | 747 | |
21 | SouthState Bank, National AssociationBank | Strong | Sound | Strong | Exceptional | $2,150Fees | 0.202%Above | 677 | |
22 | Synovus BankBank | Strong | Sound | Strong | Exceptional | $2,321Fees | 0.182%Above | 573 | |
23 | SouthPoint BankBank | Strong | Sound | Strong | Exceptional | $2,350Fees | 0.221%Above | 516 | |
24 | Wells Fargo Bank, National AssociationBank | Strong | Strong | Sound | Strong | $2,124Fees | 0.102%Above | 479 | |
25 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | $2,588Fees | 0.010%Above | 434 | |
26 | Ameris BankBank | Strong | Sound | Exceptional | Strong | $2,171Fees | 0.210%Above | 386 | |
27 | FIRST COLONY MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | $3,083Fees | 0.097%Above | 322 | |
28 | LENDLO MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | $2,443Fees | 0.108%Above | 303 | |
29 | AVADIANCredit Union | Strong | Sound | Strong | Exceptional | $1,467Fees | 0.075%Above | 291 | |
30 | MORTGAGE INVESTORS GROUP, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | $2,771Fees | 0.301%Above | 283 | |
31 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | $2,622Fees | 0.387%Above | 201 | |
32 | Colorado Federal Savings BankBank | Strong | Strong | Sound | Strong | $2,041Fees | 0.000%Above | 149 | |
33 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,829Fees | 0.446%Above | 4,227 | |
34 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $2,425Fees | 0.452%Above | 1,578 | |
35 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $2,656Fees | 0.422%Above | 1,445 | |
36 | Renasant BankBank | Strong | Acceptable | Exceptional | Exceptional | $2,491Fees | 0.261%Above | 1,328 | |
37 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,107Fees | 0.392%Above | 1,317 | |
38 | First Federal Bank, A FSBBank | Strong | Acceptable | Exceptional | Exceptional | $3,518Fees | 0.138%Above | 1,204 | |
39 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,101Fees | 0.274%Above | 767 | |
40 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,128Fees | 0.427%Above | 750 | |
41 | Assurance Financial Group, L.L.C.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,218Fees | 0.568%Above | 550 | |
42 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $3,163Fees | 0.416%Above | 549 | |
43 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Strong | $2,411Fees | 0.134%Above | 371 | |
44 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | $2,937Fees | 0.245%Above | 214 | |
45 | First Horizon BankBank | Strong | Sound | Strong | Strong | $2,038Fees | 0.149%Above | 213 | |
46 | Listerhill Credit UnionCredit Union | Strong | Sound | Strong | Strong | $2,283Fees | 0.232%Above | 162 | |
47 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $1,839Fees | 0.667%Above | 1,857 | |
48 | CANOPY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $4,597Fees | 0.355%Above | 894 | |
49 | STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $3,534Fees | 0.405%Above | 764 | |
50 | TOWNE MORTGAGE COMPANYIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $2,636Fees | 0.334%Above | 556 |
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.