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 | $2,147Fees | 0.152%Above | 282 | |
2 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,912Fees | 0.163%Above | 5,958 | |
3 | Ameris BankBank | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $3,303Fees | 0.179%Above | 2,494 | |
4 | TRAILBLAZER MORTGAGE L.L.C.Independent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Exceptional | $2,369Fees | 0.491%Below | 672 | |
5 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,837Fees | 0.127%Above | 669 | |
6 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,904Fees | 0.179%Above | 932 | |
7 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,715Fees | 0.009%Above | 888 | |
8 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $621Fees | 0.427%Below | 651 | |
9 | First Federal BankBank | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,659Fees | 0.001%Above | 257 | |
10 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Exceptional | $2,581Fees | 0.076%Above | 1,244 | |
11 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,689Fees | 0.348%Above | 823 | |
12 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $3,687Fees | 0.274%Above | 626 | |
13 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $3,125Fees | 0.241%Above | 580 | |
14 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,210Fees | 0.798%Above | 469 | |
15 | KIND LENDING, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,541Fees | 0.456%Above | 346 | |
16 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $3,646Fees | 0.442%Above | 243 | |
17 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,391Fees | 0.743%Above | 192 | |
18 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,986Fees | 0.044%Below | 1,222 | |
19 | Truist BankBank | Exceptional | Strong | Strong | Sound | Exceptional | $572Fees | 0.013%Above | 898 | |
20 | SouthState Bank, National AssociationBank | Exceptional | Strong | Strong | Strong | Strong | $2,436Fees | 0.167%Above | 404 | |
21 | United Community BankBank | Exceptional | Strong | Strong | Strong | Strong | $2,432Fees | 0.361%Above | 368 | |
22 | Renasant BankBank | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,424Fees | 0.092%Above | 324 | |
23 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,703Fees | 0.014%Above | 253 | |
24 | First Heritage Mortgage, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,554Fees | 0.341%Above | 230 | |
25 | USAA Federal Savings BankBank | Exceptional | Strong | Exceptional | Sound | Strong | $1,720Fees | 0.107%Below | 187 | |
26 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,759Fees | 0.286%Above | 147 | |
27 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,409Fees | 0.271%Above | 6,570 | |
28 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,690Fees | 0.395%Above | 1,660 | |
29 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,282Fees | 0.344%Above | 436 | |
30 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $2,736Fees | 0.276%Above | 319 | |
31 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,348Fees | 0.552%Above | 317 | |
32 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,788Fees | 0.200%Above | 277 | |
33 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,174Fees | 0.554%Above | 1,044 | |
34 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,060Fees | 0.233%Above | 985 | |
35 | BANKSOUTH MORTGAGE COMPANY, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | Exceptional | $4,293Fees | 0.140%Above | 893 | |
36 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,934Fees | 0.461%Above | 827 | |
37 | Wells Fargo Bank, National AssociationBank | Strong | Sound | Exceptional | Sound | Strong | $2,070Fees | 0.054%Below | 730 | |
38 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,915Fees | 0.575%Above | 338 | |
39 | MORTGAGE ASSURANCE, INC.Independent Mortgage Company | Strong | Sound | Strong | Sound | Exceptional | $1,903Fees | 0.160%Above | 323 | |
40 | ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,955Fees | 0.233%Above | 320 | |
41 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,519Fees | 0.594%Above | 304 | |
42 | SOUTHEAST MORTGAGE OF GEORGIA, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $4,963Fees | 0.548%Above | 738 | |
43 | ZILLOW HOME LOANS, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $2,881Fees | 0.306%Above | 582 | |
44 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,006Fees | 0.495%Above | 518 | |
45 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,544Fees | 0.465%Above | 435 | |
46 | Capital City Home Loans, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $2,300Fees | 0.228%Above | 347 | |
47 | Presidential Bank, FSBBank | Strong | Acceptable | Strong | Exceptional | Strong | $3,926Fees | 0.423%Above | 310 | |
48 | STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,151Fees | 0.374%Above | 231 | |
49 | Magnolia Bank, IncorporatedBank | Strong | Acceptable | Exceptional | Strong | Strong | $3,180Fees | 0.150%Above | 204 | |
50 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,842Fees | 0.387%Above | 183 |
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.