Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | GMFS LLCIndependent Mortgage Company | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $1,889Fees | 0.250%Above | 1,452 | |
2 | DSLD MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $90Fees | 0.119%Below | 566 | |
3 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,602Fees | 0.372%Above | 664 | |
4 | HANCOCK WHITNEY BANKBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,339Fees | 0.061%Above | 288 | |
5 | Red River BankBank | Exceptional | Exceptional | Strong | Strong | Strong | $995Fees | 0.122%Below | 92 | |
6 | NEWREZ LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,144Fees | 0.444%Above | 137 | |
7 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,025Fees | 0.436%Above | 116 | |
8 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $3,459Fees | 0.772%Above | 58 | |
9 | HOMESPIRE MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | Sound | $3,711Fees | 0.450%Above | 42 | |
10 | Assurance Financial Group, L.L.C.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,488Fees | 0.372%Above | 378 | |
11 | Gulf Coast Bank and Trust CompanyBank | Strong | Sound | Strong | Strong | Strong | $1,871Fees | 0.281%Above | 191 | |
12 | RESIDENTIAL ACCEPTANCE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $5,910Fees | 0.282%Above | 110 | |
13 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $3,940Fees | 0.725%Above | 54 | |
14 | FIDELITY BANKBank | Strong | Acceptable | Exceptional | Strong | Strong | $2,741Fees | 0.339%Above | 172 | |
15 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,824Fees | 0.531%Above | 128 | |
16 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,026Fees | 0.772%Above | 71 | |
17 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Sound | Sound | $2,718Fees | 0.368%Above | 46 | |
18 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $2,701Fees | 0.320%Above | 202 | |
19 | THE MORTGAGE FIRM, INC.Independent Mortgage Company | Sound | Acceptable | Sound | Sound | Strong | $1,975Fees | 0.524%Above | 77 | |
20 | AMERICAN FINANCIAL RESOURCES, INC.Independent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $2,495Fees | 0.665%Above | 28 | |
21 | Click n' Close, Inc.Independent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Sound | $7,020Fees | 1.600%Above | 40 | |
22 | First Option Mortgage, LLCIndependent Mortgage Company | Sound | Mediocre | — | Strong | Sound | $2,332Fees | 0.501%Above | 32 |
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.