Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | FBC MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Exceptional | Exceptional | Exceptional | Strong | $2,370Fees | 0.150%Below | 338 | |
2 | LENDLO MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Exceptional | Exceptional | Exceptional | Strong | $2,443Fees | 0.108%Above | 303 | |
3 | DSLD MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Exceptional | Exceptional | Exceptional | Strong | $83Fees | 0.462%Below | 291 | |
4 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,862Fees | 0.120%Above | 3,461 | |
5 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Exceptional | $965Fees | 0.454%Below | 655 | |
6 | Heritage Mortgage, LLCIndependent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Exceptional | $2,503Fees | 0.129%Below | 397 | |
7 | ServisFirst BankBank | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,853Fees | 0.169%Above | 316 | |
8 | Tyndall Federal Credit UnionCredit Union | Exceptional | Exceptional | Strong | Exceptional | Strong | $1,320Fees | 0.165%Above | 141 | |
9 | FirstBankBank | Exceptional | Strong | Strong | Exceptional | Exceptional | $2,257Fees | 0.159%Above | 1,072 | |
10 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $3,190Fees | 0.146%Above | 795 | |
11 | GMFS LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,602Fees | 0.065%Above | 785 | |
12 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,146Fees | 0.026%Below | 747 | |
13 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,588Fees | 0.010%Above | 434 | |
14 | Ameris BankBank | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,171Fees | 0.210%Above | 386 | |
15 | FIRST COLONY MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Strong | $3,083Fees | 0.097%Above | 322 | |
16 | MORTGAGE INVESTORS GROUP, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,771Fees | 0.301%Above | 283 | |
17 | First Horizon BankBank | Exceptional | Exceptional | Strong | Strong | Strong | $2,038Fees | 0.149%Above | 213 | |
18 | INTERLINC MORTGAGE SERVICES, LLCIndependent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Strong | $1,878Fees | 0.543%Above | 161 | |
19 | BankPlusBank | Exceptional | Exceptional | Strong | Strong | Strong | $1,307Fees | 0.035%Above | 158 | |
20 | Trustmark National BankBank | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,799Fees | 0.253%Above | 1,916 | |
21 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,656Fees | 0.422%Above | 1,445 | |
22 | Renasant BankBank | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,491Fees | 0.261%Above | 1,328 | |
23 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,101Fees | 0.274%Above | 767 | |
24 | SouthState Bank, National AssociationBank | Exceptional | Strong | Strong | Strong | Exceptional | $2,150Fees | 0.202%Above | 677 | |
25 | Synovus BankBank | Exceptional | Strong | Strong | Strong | Exceptional | $2,321Fees | 0.182%Above | 573 | |
26 | TOWNE MORTGAGE COMPANYIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,636Fees | 0.334%Above | 556 | |
27 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,052Fees | 0.297%Above | 463 | |
28 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,937Fees | 0.245%Above | 214 | |
29 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $908Fees | 0.048%Above | 121 | |
30 | REDSTONE Federal Credit UnionCredit Union | Exceptional | Strong | Strong | Sound | Exceptional | $1,218Fees | 0.213%Above | 651 | |
31 | USAA Federal Savings BankBank | Exceptional | Strong | Exceptional | Sound | Strong | $1,837Fees | 0.159%Below | 380 | |
32 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $2,411Fees | 0.134%Above | 371 | |
33 | AVADIANCredit Union | Exceptional | Sound | Strong | Exceptional | Exceptional | $1,467Fees | 0.075%Above | 291 | |
34 | United Community BankBank | Exceptional | Strong | Strong | Strong | Strong | $2,488Fees | 0.367%Above | 205 | |
35 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,622Fees | 0.387%Above | 201 | |
36 | SWBC MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,626Fees | 0.450%Above | 146 | |
37 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,829Fees | 0.446%Above | 4,227 | |
38 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,425Fees | 0.452%Above | 1,578 | |
39 | Cadence BankBank | Strong | Sound | Strong | Strong | Exceptional | $2,104Fees | 0.191%Above | 756 | |
40 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,163Fees | 0.416%Above | 549 | |
41 | SouthPoint BankBank | Strong | Sound | Strong | Strong | Exceptional | $2,350Fees | 0.221%Above | 516 | |
42 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $2,031Fees | 0.284%Above | 403 | |
43 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,771Fees | 0.345%Above | 397 | |
44 | Bank IndependentBank | Strong | Sound | Sound | Exceptional | Exceptional | $2,807Fees | 0.168%Above | 292 | |
45 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,776Fees | 0.274%Above | 241 | |
46 | Plains Commerce BankBank | Strong | Sound | Exceptional | Strong | Strong | $2,269Fees | 0.486%Above | 207 | |
47 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,814Fees | 0.345%Above | 183 | |
48 | PLANET HOME LENDING, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,419Fees | 0.234%Above | 145 | |
49 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,839Fees | 0.667%Above | 1,857 | |
50 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,107Fees | 0.392%Above | 1,317 |
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.