Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | ServisFirst BankBank | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,853Fees | 0.169%Above | 316 | |
2 | DSLD MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Exceptional | Exceptional | Strong | Strong | $83Fees | 0.462%Below | 291 | |
3 | Tyndall Federal Credit UnionCredit Union | Exceptional | Exceptional | Strong | Exceptional | Strong | $1,320Fees | 0.165%Above | 141 | |
4 | First Federal Bank, A FSBBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $3,518Fees | 0.138%Above | 1,204 | |
5 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $3,190Fees | 0.146%Above | 795 | |
6 | GMFS LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,602Fees | 0.065%Above | 785 | |
7 | Cadence BankBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,104Fees | 0.191%Above | 756 | |
8 | FBC MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,370Fees | 0.150%Below | 338 | |
9 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,862Fees | 0.120%Above | 3,461 | |
10 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Exceptional | $2,146Fees | 0.026%Below | 747 | |
11 | SouthState Bank, National AssociationBank | Exceptional | Strong | Strong | Strong | Exceptional | $2,150Fees | 0.202%Above | 677 | |
12 | Synovus BankBank | Exceptional | Strong | Strong | Strong | Exceptional | $2,321Fees | 0.182%Above | 573 | |
13 | TOWNE MORTGAGE COMPANYIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,636Fees | 0.334%Above | 556 | |
14 | SouthPoint BankBank | Exceptional | Strong | Strong | Strong | Exceptional | $2,350Fees | 0.221%Above | 516 | |
15 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,052Fees | 0.297%Above | 463 | |
16 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,622Fees | 0.387%Above | 201 | |
17 | INTERLINC MORTGAGE SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,878Fees | 0.543%Above | 161 | |
18 | BankPlusBank | Exceptional | Exceptional | Strong | Sound | Strong | $1,307Fees | 0.035%Above | 158 | |
19 | Trustmark National BankBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,799Fees | 0.253%Above | 1,916 | |
20 | Renasant BankBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,491Fees | 0.261%Above | 1,328 | |
21 | FirstBankBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,257Fees | 0.159%Above | 1,072 | |
22 | REDSTONE Federal Credit UnionCredit Union | Exceptional | Strong | Strong | Sound | Exceptional | $1,218Fees | 0.213%Above | 651 | |
23 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,588Fees | 0.010%Above | 434 | |
24 | LENDLO MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,443Fees | 0.108%Above | 303 | |
25 | Bank IndependentBank | Exceptional | Strong | Strong | Sound | Exceptional | $2,807Fees | 0.168%Above | 292 | |
26 | First Horizon BankBank | Exceptional | Strong | Strong | Strong | Strong | $2,038Fees | 0.149%Above | 213 | |
27 | SWBC MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,626Fees | 0.450%Above | 146 | |
28 | Community Bank of MississippiBank | Exceptional | Strong | Strong | Strong | Strong | $2,922Fees | 0.554%Above | 135 | |
29 | GoodLeap, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $3,095Fees | 0.151%Above | 131 | |
30 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,829Fees | 0.446%Above | 4,227 | |
31 | Regions BankBank | Strong | Sound | Exceptional | Sound | Exceptional | $1,815Fees | 0.363%Above | 1,890 | |
32 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,425Fees | 0.452%Above | 1,578 | |
33 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,128Fees | 0.427%Above | 750 | |
34 | Assurance Financial Group, L.L.C.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,218Fees | 0.568%Above | 550 | |
35 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,163Fees | 0.416%Above | 549 | |
36 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $2,031Fees | 0.284%Above | 403 | |
37 | Heritage Mortgage, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $2,503Fees | 0.129%Below | 397 | |
38 | Ameris BankBank | Strong | Sound | Exceptional | Strong | Strong | $2,171Fees | 0.210%Above | 386 | |
39 | FIRST COLONY MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,083Fees | 0.097%Above | 322 | |
40 | MORTGAGE INVESTORS GROUP, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,771Fees | 0.301%Above | 283 | |
41 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,776Fees | 0.274%Above | 241 | |
42 | Plains Commerce BankBank | Strong | Sound | Exceptional | Strong | Strong | $2,269Fees | 0.486%Above | 207 | |
43 | Bank of EnglandBank | Strong | Sound | Exceptional | Strong | Strong | $3,715Fees | 0.669%Above | 153 | |
44 | PLANET HOME LENDING, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,419Fees | 0.234%Above | 145 | |
45 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,656Fees | 0.422%Above | 1,445 | |
46 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,107Fees | 0.392%Above | 1,317 | |
47 | CANOPY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,597Fees | 0.355%Above | 894 | |
48 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,101Fees | 0.274%Above | 767 | |
49 | STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,534Fees | 0.405%Above | 764 | |
50 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,818Fees | 0.254%Above | 379 |
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.