Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | DSLD MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $90Fees | 0.119%Below | 566 | |
2 | GMFS LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,889Fees | 0.250%Above | 1,452 | |
3 | Red River BankBank | Exceptional | Exceptional | Strong | Strong | Strong | $995Fees | 0.122%Below | 92 | |
4 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,602Fees | 0.372%Above | 664 | |
5 | HANCOCK WHITNEY BANKBank | Exceptional | Strong | Strong | Strong | Exceptional | $2,339Fees | 0.061%Above | 288 | |
6 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,944Fees | 0.259%Above | 148 | |
7 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,025Fees | 0.436%Above | 116 | |
8 | Gulf Coast Bank and Trust CompanyBank | Exceptional | Strong | Strong | Strong | Strong | $1,871Fees | 0.281%Above | 191 | |
9 | First Horizon BankBank | Exceptional | Strong | Strong | Strong | Strong | $1,679Fees | 0.079%Above | 64 | |
10 | Cadence BankBank | Exceptional | Strong | Exceptional | Strong | Sound | $1,364Fees | 0.382%Above | 39 | |
11 | STANDARD MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Exceptional | Strong | Sound | Sound | $1,443Fees | 0.075%Below | 32 | |
12 | Assurance Financial Group, L.L.C.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,488Fees | 0.372%Above | 378 | |
13 | FIDELITY BANKBank | Strong | Sound | Exceptional | Strong | Strong | $2,741Fees | 0.339%Above | 172 | |
14 | RESIDENTIAL ACCEPTANCE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | Strong | $5,910Fees | 0.282%Above | 110 | |
15 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Strong | Exceptional | Sound | Sound | $320Fees | 0.020%Below | 33 | |
16 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,057Fees | 0.407%Above | 391 | |
17 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $2,144Fees | 0.444%Above | 137 | |
18 | Regions BankBank | Strong | Sound | Exceptional | Sound | Strong | $3,149Fees | 0.262%Above | 130 | |
19 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,790Fees | 0.449%Above | 88 | |
20 | THE MORTGAGE FIRM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,975Fees | 0.524%Above | 77 | |
21 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $3,944Fees | 0.437%Above | 50 | |
22 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Sound | $2,718Fees | 0.368%Above | 46 | |
23 | MORTGAGE FINANCIAL SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,619Fees | 0.236%Above | 19 | |
24 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,701Fees | 0.320%Above | 202 | |
25 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,824Fees | 0.531%Above | 128 | |
26 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,380Fees | 0.381%Above | 77 | |
27 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,026Fees | 0.772%Above | 71 | |
28 | SUN WEST MORTGAGE COMPANY, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,146Fees | 0.468%Above | 65 | |
29 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,118Fees | 0.724%Above | 60 | |
30 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $2,390Fees | 0.264%Above | 40 | |
31 | HOMEBRIDGE FINANCIAL SERVICES, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Sound | $1,659Fees | 0.358%Above | 24 | |
32 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,459Fees | 0.772%Above | 58 | |
33 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,940Fees | 0.725%Above | 54 | |
34 | HOMESPIRE MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,711Fees | 0.450%Above | 42 | |
35 | AMERICAN FINANCIAL RESOURCES, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,495Fees | 0.665%Above | 28 | |
36 | CANOPY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,669Fees | 0.652%Above | 26 | |
37 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,954Fees | 0.525%Above | 20 | |
38 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $657Fees | 0.855%Above | 18 | |
39 | OCMBC, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $4,420Fees | 1.313%Above | 18 | |
40 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,325Fees | 0.650%Above | 84 | |
41 | GENEVA FINANCIAL, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Sound | $3,589Fees | 0.785%Above | 31 | |
42 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $3,753Fees | 0.437%Above | 23 | |
43 | AMERISAVE MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $4,877Fees | 0.591%Above | 21 | |
44 | SUMMIT FUNDING, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Sound | $4,463Fees | 0.373%Above | 18 | |
45 | PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $3,182Fees | 0.672%Above | 66 | |
46 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $3,005Fees | 0.489%Above | 53 | |
47 | Wolfe Financial, IncIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $4,137Fees | 0.608%Above | 52 | |
48 | Click n' Close, Inc.Independent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $7,020Fees | 1.600%Above | 40 | |
49 | SOUTHWEST FUNDING, LPIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $3,730Fees | 0.818%Above | 22 | |
50 | AMERITRUST MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Sound | $5,388Fees | 1.465%Above | 34 |
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.