Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | VELOCIO MORTGAGE L.L.C.Independent Mortgage Company | Exceptional | Exceptional | Exceptional | Exceptional | Exceptional | $907Fees | 0.883%Below | 323 | |
2 | JET HOMELOANS, LPIndependent Mortgage Company | Exceptional | Exceptional | Strong | Exceptional | Strong | $2,943Fees | 0.031%Below | 143 | |
3 | First-Citizens Bank & Trust CompanyBank | Exceptional | Exceptional | Strong | Sound | Exceptional | $1,296Fees | 0.002%Above | 249 | |
4 | First Heritage Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Strong | $1,679Fees | 0.091%Above | 85 | |
5 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,918Fees | 0.021%Below | 784 | |
6 | Fifth Third Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Exceptional | $111Credit | 0.042%Below | 249 | |
7 | SouthState Bank, National AssociationBank | Exceptional | Strong | Strong | Strong | Exceptional | $1,815Fees | 0.107%Above | 241 | |
8 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,034Fees | 0.073%Below | 206 | |
9 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $4,870Fees | 0.177%Above | 189 | |
10 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,867Fees | 0.216%Above | 99 | |
11 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,322Fees | 0.161%Above | 74 | |
12 | NBKC BANKBank | Exceptional | Exceptional | Strong | Sound | Strong | $182Fees | 0.249%Below | 72 | |
13 | Ameris BankBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,242Fees | 0.110%Above | 462 | |
14 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $1,583Fees | 0.066%Below | 99 | |
15 | MORTGAGE ASSURANCE, INC.Independent Mortgage Company | Exceptional | Strong | Strong | Strong | Strong | $2,428Fees | 0.398%Above | 40 | |
16 | INTERLINC MORTGAGE SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $3,342Fees | 0.301%Above | 39 | |
17 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,507Fees | 0.187%Above | 830 | |
18 | Atlantic Coast Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,132Fees | 0.331%Above | 173 | |
19 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,527Fees | 0.228%Above | 164 | |
20 | Renasant BankBank | Strong | Sound | Exceptional | Strong | Strong | $2,523Fees | 0.263%Above | 143 | |
21 | Truist BankBank | Strong | Strong | Strong | Sound | Strong | $625Fees | 0.019%Below | 100 | |
22 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $2,272Fees | 0.252%Above | 60 | |
23 | RESICENTRAL, LLCIndependent Mortgage Company | Strong | Strong | Strong | Sound | Strong | $3,277Fees | 0.237%Above | 53 | |
24 | Towne BankBank | Strong | Sound | Exceptional | Exceptional | Sound | $2,313Fees | 0.169%Above | 40 | |
25 | GoodLeap, LLCIndependent Mortgage Company | Strong | Strong | Exceptional | Sound | Sound | $3,660Fees | 0.009%Below | 31 | |
26 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,577Fees | 0.289%Above | 429 | |
27 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,413Fees | 0.314%Above | 383 | |
28 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,781Fees | 0.287%Above | 171 | |
29 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $2,453Fees | 0.345%Above | 133 | |
30 | ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,578Fees | 0.144%Above | 99 | |
31 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,365Fees | 0.228%Above | 97 | |
32 | Regions BankBank | Strong | Sound | Exceptional | Sound | Strong | $1,726Fees | 0.066%Below | 66 | |
33 | United Community BankBank | Strong | Sound | Strong | Strong | Strong | $2,066Fees | 0.337%Above | 54 | |
34 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $3,224Fees | 0.287%Above | 44 | |
35 | Northpointe BankBank | Strong | Sound | Exceptional | Strong | Sound | $2,591Fees | 0.209%Above | 35 | |
36 | Plains Commerce BankBank | Strong | Sound | Exceptional | Strong | Sound | $3,665Fees | 0.041%Above | 34 | |
37 | CAROLINA ONE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $3,087Fees | 0.217%Above | 408 | |
38 | DIRECT MORTGAGE LOANS, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $4,794Fees | 0.332%Above | 212 | |
39 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,150Fees | 0.314%Above | 176 | |
40 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,601Fees | 0.323%Above | 171 | |
41 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,889Fees | 0.146%Above | 137 | |
42 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,492Fees | 0.254%Above | 94 | |
43 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,408Fees | 0.438%Above | 54 | |
44 | Alcova Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $1,318Fees | 0.085%Above | 39 | |
45 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,662Fees | 0.447%Above | 37 | |
46 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,585Fees | 0.427%Above | 282 | |
47 | RESOURCE FINANCIAL SERVICES, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $3,150Fees | 0.244%Above | 55 | |
48 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,793Fees | 0.372%Above | 46 | |
49 | Integrity Home Mortgage CorporationIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $5,231Fees | 0.235%Above | 38 |
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.