Safe Rate Rankings
Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,428Fees | 0.346%Above | 191 | |
2 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,289Fees | 0.019%Below | 284 | |
3 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $4,590Fees | 0.418%Above | 78 | |
4 | Legends BankBank | Exceptional | Strong | Strong | Exceptional | Strong | $1,786Fees | 0.338%Above | 38 | |
5 | FirstBankBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,991Fees | 0.241%Above | 351 | |
6 | MORTGAGE INVESTORS GROUP, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,118Fees | 0.145%Above | 233 | |
7 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $2,512Fees | 0.094%Below | 69 | |
8 | SmartBankBank | Exceptional | Exceptional | Sound | Sound | Strong | $1,187Fees | 0.306%Above | 63 | |
9 | Cadence BankBank | Exceptional | Strong | Exceptional | Strong | Sound | $2,185Fees | 0.151%Above | 39 | |
10 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,203Fees | 0.345%Above | 707 | |
11 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,042Fees | 0.457%Above | 374 | |
12 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,277Fees | 0.476%Above | 154 | |
13 | Truist BankBank | Strong | Strong | Strong | Sound | Strong | $2,285Fees | 0.142%Above | 96 | |
14 | COMMUNITY MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | Strong | $2,178Fees | 0.187%Above | 62 | |
15 | Renasant BankBank | Strong | Sound | Exceptional | Strong | Strong | $3,150Fees | 0.118%Above | 44 | |
16 | GoodLeap, LLCIndependent Mortgage Company | Strong | Strong | Exceptional | Sound | Sound | $3,820Fees | 0.145%Above | 21 | |
17 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,689Fees | 0.245%Above | 572 | |
18 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,448Fees | 0.380%Above | 397 | |
19 | Regions BankBank | Strong | Sound | Exceptional | Sound | Strong | $1,431Fees | 0.490%Above | 143 | |
20 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,225Fees | 0.376%Above | 63 | |
21 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,343Fees | 0.430%Above | 54 | |
22 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $3,663Fees | 0.285%Above | 49 | |
23 | SUMMIT FUNDING, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $5,200Fees | 0.867%Above | 230 | |
24 | ALAMEDA MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $2,610Fees | 0.549%Above | 141 | |
25 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,183Fees | 0.473%Above | 85 | |
26 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,053Fees | 0.351%Above | 66 | |
27 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,755Fees | 0.902%Above | 40 | |
28 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $4,144Fees | 0.427%Above | 35 | |
29 | ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,132Fees | 0.610%Above | 33 | |
30 | United Community BankBank | Strong | Sound | Strong | Strong | Sound | $2,114Fees | 0.536%Above | 22 | |
31 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD.Independent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $3,314Fees | 0.458%Above | 142 | |
32 | TJC Mortgage, Inc.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $4,707Fees | 0.412%Above | 78 | |
33 | CANOPY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,423Fees | 0.341%Above | 38 | |
34 | STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,823Fees | 0.457%Above | 35 | |
35 | ZILLOW HOME LOANS, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,961Fees | 0.410%Above | 17 | |
36 | LEADERONE FINANCIAL CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,356Fees | 0.650%Above | 100 | |
37 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,307Fees | 0.217%Above | 54 | |
38 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $4,053Fees | 0.282%Above | 26 | |
39 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $3,459Fees | 0.459%Above | 24 | |
40 | AMERISAVE MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $4,223Fees | 0.673%Above | 22 | |
41 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $3,450Fees | 0.572%Above | 120 | |
42 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $3,531Fees | 0.623%Above | 47 | |
43 | ISERVE RESIDENTIAL LENDING, LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Sound | $7,788Fees | 0.765%Above | 19 |
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.