Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,912Fees | 0.163%Above | 5,958 | |
2 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $3,060Fees | 0.233%Above | 985 | |
3 | TRAILBLAZER MORTGAGE L.L.C.Independent Mortgage Company | Exceptional | Exceptional | Strong | Sound | Exceptional | $2,369Fees | 0.491%Below | 672 | |
4 | Ameris BankBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,303Fees | 0.179%Above | 2,494 | |
5 | United Community BankBank | Exceptional | Strong | Strong | Strong | Strong | $2,432Fees | 0.361%Above | 368 | |
6 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,915Fees | 0.575%Above | 338 | |
7 | Magnolia Bank, IncorporatedBank | Strong | Sound | Exceptional | Strong | Strong | $3,180Fees | 0.150%Above | 204 | |
8 | BANKSOUTH MORTGAGE COMPANY, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $4,293Fees | 0.140%Above | 893 | |
9 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,687Fees | 0.274%Above | 626 | |
10 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,090Fees | 0.963%Above | 338 | |
11 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,690Fees | 0.395%Above | 1,660 | |
12 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,431Fees | 0.463%Above | 1,398 | |
13 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,174Fees | 0.554%Above | 1,044 | |
14 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $2,689Fees | 0.348%Above | 823 | |
15 | SOUTHEAST MORTGAGE OF GEORGIA, INC.Independent Mortgage Company | Strong | Mediocre | Strong | Strong | Exceptional | $4,963Fees | 0.548%Above | 738 | |
16 | HOMEOWNERS FINANCIAL GROUP USA, LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $4,841Fees | 0.354%Above | 353 | |
17 | ACOPIA, LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $5,274Fees | 0.463%Above | 283 |
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.