Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,372Fees | 0.164%Above | 537 | |
2 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,630Fees | 0.309%Above | 506 | |
3 | Manufacturers and Traders Trust CompanyBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $844Fees | 0.079%Above | 398 | |
4 | First Heritage Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,891Fees | 0.096%Above | 170 | |
5 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,993Fees | 0.096%Above | 1,767 | |
6 | Towne BankBank | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,593Fees | 0.161%Above | 642 | |
7 | Sandy Spring BankBank | Exceptional | Strong | Strong | Strong | Exceptional | $2,144Fees | 0.231%Above | 268 | |
8 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,244Fees | 0.364%Above | 96 | |
9 | MERIDIAN BANKBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,057Fees | 0.194%Above | 723 | |
10 | Truist BankBank | Exceptional | Strong | Strong | Sound | Exceptional | $629Credit | 0.066%Below | 494 | |
11 | STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATEDCredit Union | Exceptional | Strong | Strong | Sound | Exceptional | $1,302Fees | 0.266%Below | 344 | |
12 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $1,585Fees | 0.097%Below | 308 | |
13 | SWBC MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,361Fees | 0.393%Above | 209 | |
14 | United BankBank | Exceptional | Strong | Strong | Strong | Strong | $1,838Fees | 0.225%Below | 186 | |
15 | WesBanco Bank, Inc.Bank | Exceptional | Strong | Strong | Strong | Strong | $1,650Fees | 0.222%Above | 100 | |
16 | KEYSTONE FUNDING, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,594Fees | 0.342%Above | 80 | |
17 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,143Fees | 0.282%Above | 2,545 | |
18 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,273Fees | 0.392%Above | 1,197 | |
19 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,032Fees | 0.367%Above | 591 | |
20 | BAY CAPITAL MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $3,832Fees | 0.175%Above | 334 | |
21 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,284Fees | 0.114%Above | 261 | |
22 | Ameris BankBank | Strong | Sound | Exceptional | Strong | Strong | $3,171Fees | 0.249%Above | 255 | |
23 | Fulton Bank, National AssociationBank | Strong | Strong | Strong | Sound | Strong | $2,828Fees | 0.245%Above | 231 | |
24 | Plains Commerce BankBank | Strong | Sound | Exceptional | Strong | Strong | $3,607Fees | 0.208%Above | 152 | |
25 | PNC Bank, National AssociationBank | Strong | Strong | Strong | Sound | Strong | $808Fees | 0.056%Above | 145 | |
26 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,261Fees | 0.280%Above | 114 | |
27 | EMM LOANS LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,293Fees | 0.413%Above | 104 | |
28 | PENTAGON FEDERAL CREDIT UNIONCredit Union | Strong | Strong | Strong | Sound | Strong | $3,221Fees | 0.187%Below | 81 | |
29 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $2,477Fees | 0.318%Above | 349 | |
30 | Cazle Mortgage, Inc.Independent Mortgage Company | Strong | Acceptable | Strong | Exceptional | Exceptional | $3,735Fees | 0.577%Above | 198 | |
31 | Shore United Bank, N.A.Bank | Strong | Sound | Strong | Strong | Strong | $2,590Fees | 0.144%Above | 193 | |
32 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,933Fees | 0.150%Above | 162 | |
33 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,217Fees | 0.597%Above | 136 | |
34 | Atlantic Coast Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,408Fees | 0.133%Above | 124 | |
35 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,474Fees | 0.322%Above | 120 | |
36 | ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,867Fees | 0.476%Above | 86 | |
37 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,472Fees | 0.266%Above | 468 | |
38 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,707Fees | 0.251%Above | 321 | |
39 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,217Fees | 0.219%Above | 263 | |
40 | EMBRACE HOME LOANS, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,406Fees | 0.290%Above | 253 | |
41 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,144Fees | 0.089%Above | 237 | |
42 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,894Fees | 0.307%Above | 209 | |
43 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,219Fees | 0.102%Above | 202 | |
44 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,578Fees | 0.334%Above | 185 | |
45 | HOMESPIRE MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,627Fees | 0.637%Above | 171 | |
46 | Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,060Fees | 0.253%Above | 168 | |
47 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,351Fees | 0.528%Above | 121 | |
48 | OCMBC, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,157Fees | 0.854%Above | 113 | |
49 | Vellum Mortgage, Inc.Independent Mortgage Company | Strong | Acceptable | Strong | Exceptional | Strong | $3,300Fees | 0.235%Above | 102 | |
50 | SUN WEST MORTGAGE COMPANY, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,612Fees | 0.097%Above | 93 |
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.