Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | TRAILBLAZER MORTGAGE L.L.C.Independent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Exceptional | $2,369Fees | 0.491%Below | 672 | |
2 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,904Fees | 0.179%Above | 932 | |
3 | FBC MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,147Fees | 0.152%Above | 282 | |
4 | First Heritage Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Strong | $3,554Fees | 0.341%Above | 230 | |
5 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,912Fees | 0.163%Above | 5,958 | |
6 | BANKSOUTH MORTGAGE COMPANY, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $4,293Fees | 0.140%Above | 893 | |
7 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Exceptional | $1,715Fees | 0.009%Above | 888 | |
8 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,837Fees | 0.127%Above | 669 | |
9 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $3,125Fees | 0.241%Above | 580 | |
10 | MORTGAGE ASSURANCE, INC.Independent Mortgage Company | Exceptional | Strong | Strong | Strong | Exceptional | $1,903Fees | 0.160%Above | 323 | |
11 | Ameris BankBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,303Fees | 0.179%Above | 2,494 | |
12 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,986Fees | 0.044%Below | 1,222 | |
13 | Truist BankBank | Exceptional | Strong | Strong | Sound | Exceptional | $572Fees | 0.013%Above | 898 | |
14 | SouthState Bank, National AssociationBank | Exceptional | Strong | Strong | Strong | Strong | $2,436Fees | 0.167%Above | 404 | |
15 | First Federal BankBank | Exceptional | Strong | Strong | Strong | Strong | $1,659Fees | 0.001%Above | 257 | |
16 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $97Fees | 0.103%Below | 238 | |
17 | Synovus BankBank | Exceptional | Strong | Strong | Strong | Strong | $2,292Fees | 0.037%Above | 162 | |
18 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,409Fees | 0.271%Above | 6,570 | |
19 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,690Fees | 0.395%Above | 1,660 | |
20 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,210Fees | 0.798%Above | 469 | |
21 | AMERICAN FINANCING CORPORATIONIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Exceptional | $4,962Fees | 0.053%Above | 458 | |
22 | Capital City Home Loans, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $2,300Fees | 0.228%Above | 347 | |
23 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,541Fees | 0.456%Above | 346 | |
24 | Renasant BankBank | Strong | Sound | Exceptional | Strong | Strong | $3,424Fees | 0.092%Above | 324 | |
25 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $2,736Fees | 0.276%Above | 319 | |
26 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,605Fees | 0.217%Above | 274 | |
27 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Sound | Exceptional | $2,581Fees | 0.076%Above | 1,244 | |
28 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,060Fees | 0.233%Above | 985 | |
29 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,689Fees | 0.348%Above | 823 | |
30 | ZILLOW HOME LOANS, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,881Fees | 0.306%Above | 582 | |
31 | Regions BankBank | Strong | Sound | Exceptional | Sound | Strong | $2,484Fees | 0.136%Above | 494 | |
32 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $3,282Fees | 0.344%Above | 436 | |
33 | United Community BankBank | Strong | Sound | Strong | Strong | Strong | $2,432Fees | 0.361%Above | 368 | |
34 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,915Fees | 0.575%Above | 338 | |
35 | ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,955Fees | 0.233%Above | 320 | |
36 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,519Fees | 0.594%Above | 304 | |
37 | Magnolia Bank, IncorporatedBank | Strong | Sound | Strong | Strong | Strong | $3,180Fees | 0.150%Above | 204 | |
38 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,842Fees | 0.387%Above | 183 | |
39 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,759Fees | 0.286%Above | 147 | |
40 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,687Fees | 0.274%Above | 626 | |
41 | CANOPY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,634Fees | 0.345%Above | 471 | |
42 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,544Fees | 0.465%Above | 435 | |
43 | HOMEOWNERS FINANCIAL GROUP USA, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,841Fees | 0.354%Above | 353 | |
44 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,090Fees | 0.963%Above | 338 | |
45 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,348Fees | 0.552%Above | 317 | |
46 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,703Fees | 0.014%Above | 253 | |
47 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,646Fees | 0.442%Above | 243 | |
48 | STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,151Fees | 0.374%Above | 231 | |
49 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,391Fees | 0.743%Above | 192 | |
50 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,289Fees | 0.142%Above | 171 |
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.