Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | ServisFirst BankBank | Exceptional | Exceptional | Strong | Strong | Strong | $1,475Fees | 0.209%Above | 33 | |
2 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,670Fees | 0.085%Above | 140 | |
3 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Exceptional | $2,051Fees | 0.008%Below | 102 | |
4 | Filo Mortgage, L.L.C.Independent Mortgage Company | Exceptional | Exceptional | Strong | Sound | Strong | $2,082Fees | 0.159%Above | 47 | |
5 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $3,366Fees | 0.007%Below | 35 | |
6 | Trustmark National BankBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,046Fees | 0.211%Above | 140 | |
7 | Renasant BankBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,324Fees | 0.202%Above | 98 | |
8 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,504Fees | 0.103%Above | 53 | |
9 | SouthState Bank, National AssociationBank | Exceptional | Strong | Strong | Strong | Strong | $2,300Fees | 0.455%Above | 37 | |
10 | Synovus BankBank | Exceptional | Strong | Strong | Strong | Strong | $2,880Fees | 0.195%Above | 31 | |
11 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $4,097Fees | 0.667%Above | 26 | |
12 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,760Fees | 0.356%Above | 173 | |
13 | EMM LOANS LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,485Fees | 0.344%Above | 56 | |
14 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,268Fees | 0.179%Above | 292 | |
15 | CANOPY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,711Fees | 0.241%Above | 160 | |
16 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,385Fees | 0.196%Above | 128 | |
17 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Sound | $1,896Fees | 0.421%Above | 20 | |
18 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $4,242Fees | 0.509%Below | 17 | |
19 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,673Fees | 0.384%Above | 45 | |
20 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,057Fees | 0.391%Above | 23 | |
21 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,045Fees | 0.434%Above | 72 | |
22 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $4,734Fees | 0.517%Above | 15 | |
23 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Sound | $2,922Fees | 0.572%Above | 24 |
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.