Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | FBC MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Exceptional | Exceptional | Exceptional | Exceptional | $1,525Fees | 0.614%Below | 327 | |
2 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $3,014Fees | 0.100%Above | 567 | |
3 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,743Fees | 0.065%Above | 550 | |
4 | Ameris BankBank | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,753Fees | 0.157%Above | 391 | |
5 | First Palmetto BankBank | Exceptional | Strong | Strong | Exceptional | Exceptional | $894Fees | 0.079%Below | 290 | |
6 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $3,197Fees | 0.355%Above | 226 | |
7 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $996Fees | 0.526%Below | 184 | |
8 | First Heritage Mortgage, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,751Fees | 0.153%Above | 563 | |
9 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,143Fees | 0.281%Above | 350 | |
10 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,032Fees | 0.190%Above | 186 | |
11 | First Reliance BankBank | Exceptional | Strong | Strong | Strong | Exceptional | $1,646Fees | 0.101%Above | 168 | |
12 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,483Fees | 0.309%Above | 142 | |
13 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,047Fees | 0.170%Below | 69 | |
14 | First Federal BankBank | Exceptional | Exceptional | Exceptional | Sound | Sound | $1,403Fees | 0.213%Below | 26 | |
15 | RESOURCE FINANCIAL SERVICES, INC.Independent Mortgage Company | Exceptional | Sound | Strong | Exceptional | Exceptional | $2,260Fees | 0.273%Above | 384 | |
16 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $1,772Fees | 0.012%Above | 168 | |
17 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $4,086Fees | 0.473%Above | 156 | |
18 | SouthState Bank, National AssociationBank | Exceptional | Strong | Strong | Strong | Strong | $1,988Fees | 0.208%Above | 124 | |
19 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,234Fees | 0.383%Above | 86 | |
20 | Renasant BankBank | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,252Fees | 0.243%Above | 76 | |
21 | Synovus BankBank | Exceptional | Strong | Strong | Strong | Strong | $1,314Fees | 0.262%Above | 69 | |
22 | USAA Federal Savings BankBank | Exceptional | Strong | Exceptional | Sound | Strong | $1,767Fees | 0.193%Below | 57 | |
23 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,879Fees | 0.376%Above | 790 | |
24 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,247Fees | 0.098%Above | 146 | |
25 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,686Fees | 0.430%Above | 83 | |
26 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $2,380Fees | 0.247%Above | 71 | |
27 | TOWNE MORTGAGE COMPANYIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | Sound | $2,129Fees | 0.389%Above | 38 | |
28 | Trustmark National BankBank | Strong | Sound | Exceptional | Exceptional | Sound | $2,231Fees | 0.208%Above | 31 | |
29 | American Security Mortgage Corp.Independent Mortgage Company | Strong | Sound | Exceptional | Exceptional | Sound | $2,679Fees | 0.070%Above | 28 | |
30 | RESICENTRAL, LLCIndependent Mortgage Company | Strong | Strong | Strong | Strong | Sound | $1,108Fees | 0.096%Above | 26 | |
31 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,068Fees | 0.347%Above | 959 | |
32 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,665Fees | 0.597%Above | 359 | |
33 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,479Fees | 0.529%Above | 279 | |
34 | First Community BankBank | Strong | Sound | Sound | Strong | Exceptional | $2,430Fees | 0.253%Above | 134 | |
35 | ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,788Fees | 0.555%Above | 131 | |
36 | DELMAR FINANCIAL COMPANYIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $2,299Fees | 0.217%Above | 83 | |
37 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,976Fees | 0.139%Above | 27 | |
38 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,568Fees | 0.401%Above | 145 | |
39 | Regions BankBank | Strong | Sound | Strong | Sound | Strong | $2,564Fees | 0.026%Above | 101 | |
40 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,846Fees | 0.463%Above | 69 | |
41 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,521Fees | 0.514%Above | 55 | |
42 | Integrity Home Mortgage CorporationIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,633Fees | 0.006%Below | 48 | |
43 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $2,987Fees | 0.752%Above | 48 | |
44 | Assurance Financial Group, L.L.C.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $2,639Fees | 0.489%Above | 103 | |
45 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,127Fees | 0.688%Above | 44 | |
46 | MORTGAGE SOLUTIONS OF COLORADO, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $1,892Fees | 0.570%Above | 41 | |
47 | GoodLeap, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Sound | $3,826Fees | 0.037%Below | 28 | |
48 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $3,178Fees | 0.290%Above | 43 | |
49 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $3,966Fees | 1.198%Above | 32 | |
50 | AMERISAVE MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Acceptable | Strong | Sound | Sound | $4,251Fees | 0.743%Above | 30 |
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.