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 | Exceptional | Exceptional | Strong | $2,943Fees | 0.031%Below | 143 | |
3 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,918Fees | 0.021%Below | 784 | |
4 | Ameris BankBank | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $3,242Fees | 0.110%Above | 462 | |
5 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Exceptional | $1,242Fees | 0.490%Below | 262 | |
6 | Fifth Third Bank, National AssociationBank | Exceptional | Exceptional | Strong | Strong | Exceptional | $111Credit | 0.042%Below | 249 | |
7 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $4,870Fees | 0.177%Above | 189 | |
8 | NBKC BANKBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $182Fees | 0.249%Below | 72 | |
9 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,577Fees | 0.289%Above | 429 | |
10 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,413Fees | 0.314%Above | 383 | |
11 | SouthState Bank, National AssociationBank | Exceptional | Strong | Strong | Strong | Exceptional | $1,815Fees | 0.107%Above | 241 | |
12 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,034Fees | 0.073%Below | 206 | |
13 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,889Fees | 0.146%Above | 137 | |
14 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,583Fees | 0.066%Below | 99 | |
15 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,492Fees | 0.254%Above | 94 | |
16 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,322Fees | 0.161%Above | 74 | |
17 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,408Fees | 0.438%Above | 54 | |
18 | INTERLINC MORTGAGE SERVICES, LLCIndependent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Sound | $3,342Fees | 0.301%Above | 39 | |
19 | Renasant BankBank | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,523Fees | 0.263%Above | 143 | |
20 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,867Fees | 0.216%Above | 99 | |
21 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,365Fees | 0.228%Above | 97 | |
22 | First Heritage Mortgage, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,679Fees | 0.091%Above | 85 | |
23 | Pinnacle BankBank | Exceptional | Strong | Strong | Strong | Strong | $1,885Fees | 0.149%Above | 69 | |
24 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Sound | $838Credit | 0.131%Below | 40 | |
25 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,507Fees | 0.187%Above | 830 | |
26 | Atlantic Coast Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,132Fees | 0.331%Above | 173 | |
27 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,527Fees | 0.228%Above | 164 | |
28 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,453Fees | 0.345%Above | 133 | |
29 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $2,272Fees | 0.252%Above | 60 | |
30 | RESOURCE FINANCIAL SERVICES, INC.Independent Mortgage Company | Strong | Sound | Strong | Exceptional | Strong | $3,150Fees | 0.244%Above | 55 | |
31 | USAA Federal Savings BankBank | Strong | Strong | Exceptional | Sound | Sound | $2,095Fees | 0.230%Below | 45 | |
32 | Towne BankBank | Strong | Sound | Exceptional | Exceptional | Sound | $2,313Fees | 0.169%Above | 40 | |
33 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,585Fees | 0.427%Above | 282 | |
34 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,781Fees | 0.287%Above | 171 | |
35 | FIRST HOME MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,102Fees | 0.587%Above | 100 | |
36 | ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,578Fees | 0.144%Above | 99 | |
37 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $3,793Fees | 0.372%Above | 46 | |
38 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,782Fees | 0.056%Above | 45 | |
39 | Plains Commerce BankBank | Strong | Sound | Exceptional | Strong | Sound | $3,665Fees | 0.041%Above | 34 | |
40 | CAROLINA ONE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $3,087Fees | 0.217%Above | 408 | |
41 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,648Fees | 0.284%Above | 226 | |
42 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,150Fees | 0.314%Above | 176 | |
43 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,601Fees | 0.323%Above | 171 | |
44 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,902Fees | 0.367%Above | 77 | |
45 | Regions BankBank | Strong | Sound | Strong | Sound | Strong | $1,726Fees | 0.066%Below | 66 | |
46 | Alcova Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $1,318Fees | 0.085%Above | 39 | |
47 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,588Fees | 0.546%Above | 34 | |
48 | Primis Mortgage CompanyIndependent Mortgage Company | Strong | Sound | Strong | Strong | Sound | $1,962Fees | 0.183%Above | 34 | |
49 | CALCON MUTUAL MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $4,879Fees | 0.134%Above | 71 |
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.