Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Trustmark National BankBank | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $1,799Fees | 0.253%Above | 1,916 | |
2 | GMFS LLCIndependent Mortgage Company | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $2,602Fees | 0.065%Above | 785 | |
3 | Synovus BankBank | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $2,321Fees | 0.182%Above | 573 | |
4 | DSLD MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Exceptional | Exceptional | Strong | Strong | $83Fees | 0.462%Below | 291 | |
5 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,862Fees | 0.120%Above | 3,461 | |
6 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $3,107Fees | 0.392%Above | 1,317 | |
7 | Cadence BankBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,104Fees | 0.191%Above | 756 | |
8 | LENDLO MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,443Fees | 0.108%Above | 303 | |
9 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,052Fees | 0.297%Above | 463 | |
10 | NEWREZ LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,771Fees | 0.345%Above | 397 | |
11 | FBC MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,370Fees | 0.150%Below | 338 | |
12 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,622Fees | 0.387%Above | 201 | |
13 | Renasant BankBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,491Fees | 0.261%Above | 1,328 | |
14 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,101Fees | 0.274%Above | 767 | |
15 | REDSTONE Federal Credit UnionCredit Union | Exceptional | Strong | — | Strong | Exceptional | $1,218Fees | 0.213%Above | 651 | |
16 | TOWNE MORTGAGE COMPANYIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,636Fees | 0.334%Above | 556 | |
17 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,818Fees | 0.254%Above | 379 | |
18 | Hamilton Mortgage CorporationIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,984Fees | 0.326%Above | 357 | |
19 | Plains Commerce BankBank | Exceptional | Strong | Exceptional | Sound | Strong | $2,269Fees | 0.486%Above | 207 | |
20 | United Community BankBank | Exceptional | Strong | Strong | Strong | Strong | $2,488Fees | 0.367%Above | 205 | |
21 | SouthPoint BankBank | Strong | Sound | Strong | Strong | Exceptional | $2,350Fees | 0.221%Above | 516 | |
22 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,588Fees | 0.010%Above | 434 | |
23 | Ameris BankBank | Strong | Sound | Exceptional | Strong | Strong | $2,171Fees | 0.210%Above | 386 | |
24 | FIRST COLONY MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,083Fees | 0.097%Above | 322 | |
25 | Bank IndependentBank | Strong | Sound | — | Exceptional | Exceptional | $2,807Fees | 0.168%Above | 292 | |
26 | MORTGAGE INVESTORS GROUP, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,771Fees | 0.301%Above | 283 | |
27 | INTERLINC MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,878Fees | 0.543%Above | 161 | |
28 | PLANET HOME LENDING, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,419Fees | 0.234%Above | 145 | |
29 | Magnolia Bank, IncorporatedBank | Strong | Sound | Exceptional | Strong | Strong | $2,821Fees | 0.389%Above | 145 | |
30 | Tyndall Federal Credit UnionCredit Union | Strong | Strong | Sound | Strong | Strong | $1,320Fees | 0.165%Above | 141 | |
31 | First Federal Bank, A FSBBank | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,518Fees | 0.138%Above | 1,204 | |
32 | FirstBankBank | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,257Fees | 0.159%Above | 1,072 | |
33 | CANOPY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,597Fees | 0.355%Above | 894 | |
34 | STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,534Fees | 0.405%Above | 764 | |
35 | Assurance Financial Group, L.L.C.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,218Fees | 0.568%Above | 550 | |
36 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Sound | Strong | $2,031Fees | 0.284%Above | 403 | |
37 | AVADIANCredit Union | Strong | Sound | — | Strong | Exceptional | $1,467Fees | 0.075%Above | 291 | |
38 | Regions BankBank | Strong | Acceptable | Exceptional | Sound | Exceptional | $1,815Fees | 0.363%Above | 1,890 | |
39 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Exceptional | $1,839Fees | 0.667%Above | 1,857 | |
40 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,937Fees | 0.245%Above | 214 | |
41 | LEADERONE FINANCIAL CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,958Fees | 0.842%Above | 129 | |
42 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $2,425Fees | 0.452%Above | 1,578 | |
43 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $2,656Fees | 0.422%Above | 1,445 | |
44 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,128Fees | 0.427%Above | 750 | |
45 | SouthState Bank, National AssociationBank | Strong | Sound | Sound | Acceptable | Exceptional | $2,150Fees | 0.202%Above | 677 | |
46 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,237Fees | 0.664%Above | 653 | |
47 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $3,163Fees | 0.416%Above | 549 | |
48 | EMBRACE HOME LOANS, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $3,625Fees | 0.549%Above | 244 | |
49 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,338Fees | 0.480%Above | 672 | |
50 | ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,372Fees | 0.514%Above | 141 |
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.