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 | Exceptional | Exceptional | $90Fees | 0.119%Below | 566 | |
2 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,602Fees | 0.372%Above | 664 | |
3 | GMFS LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,889Fees | 0.250%Above | 1,452 | |
4 | Red River BankBank | Exceptional | Exceptional | Strong | Strong | Strong | $995Fees | 0.122%Below | 92 | |
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 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Sound | $569Fees | 0.671%Below | 25 | |
8 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,701Fees | 0.320%Above | 202 | |
9 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,025Fees | 0.436%Above | 116 | |
10 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,144Fees | 0.444%Above | 137 | |
11 | SUN WEST MORTGAGE COMPANY, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,146Fees | 0.468%Above | 65 | |
12 | USAA Federal Savings BankBank | Strong | Strong | Exceptional | Sound | Sound | $1,637Fees | 0.182%Below | 21 | |
13 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,057Fees | 0.407%Above | 391 | |
14 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $3,944Fees | 0.437%Above | 50 | |
15 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $3,753Fees | 0.437%Above | 23 | |
16 | Assurance Financial Group, L.L.C.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $2,488Fees | 0.372%Above | 378 | |
17 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,824Fees | 0.531%Above | 128 | |
18 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,955Credit | 0.620%Above | 103 | |
19 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,380Fees | 0.381%Above | 77 | |
20 | Gulf Coast Bank and Trust CompanyBank | Strong | Acceptable | Strong | Strong | Strong | $1,871Fees | 0.281%Above | 191 | |
21 | FIDELITY BANKBank | Strong | Acceptable | Strong | Strong | Strong | $2,741Fees | 0.339%Above | 172 | |
22 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $2,026Fees | 0.772%Above | 71 | |
23 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,005Fees | 0.489%Above | 53 | |
24 | Wolfe Financial, IncIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $4,137Fees | 0.608%Above | 52 | |
25 | NEW DAY FINANCIAL, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Sound | $1,919Fees | 0.853%Above | 21 |
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.