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 | $112Fees | 0.424%Below | 141 | |
2 | FBC MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Exceptional | Exceptional | Exceptional | Strong | $1,099Fees | 0.831%Below | 68 | |
3 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,880Fees | 0.037%Below | 438 | |
4 | University BankBank | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,382Fees | 0.163%Below | 149 | |
5 | BankPlusBank | Exceptional | Exceptional | Strong | Strong | Exceptional | $2,218Fees | 0.004%Below | 96 | |
6 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $774Fees | 0.599%Below | 89 | |
7 | MORTGAGE ONE OF THE SOUTH, INC.Independent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Strong | $1,780Fees | 0.532%Below | 37 | |
8 | NBKC BANKBank | Exceptional | Exceptional | Exceptional | Strong | Sound | $452Fees | 0.662%Below | 24 | |
9 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,335Fees | 0.093%Above | 275 | |
10 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,974Fees | 0.185%Below | 103 | |
11 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $3,051Fees | 0.079%Above | 64 | |
12 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,160Fees | 0.416%Below | 55 | |
13 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,991Fees | 0.259%Above | 39 | |
14 | Ameris BankBank | Exceptional | Strong | Exceptional | Exceptional | Sound | $3,265Fees | 0.182%Above | 33 | |
15 | First Federal BankBank | Exceptional | Exceptional | Exceptional | Sound | Sound | $1,042Fees | 0.399%Below | 18 | |
16 | FIRST COLONY MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Sound | $2,316Fees | 0.405%Below | 16 | |
17 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,929Fees | 0.127%Above | 91 | |
18 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,363Fees | 0.438%Below | 77 | |
19 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,345Fees | 0.157%Above | 343 | |
20 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,217Fees | 0.340%Above | 59 | |
21 | USAA Federal Savings BankBank | Strong | Strong | Exceptional | Sound | Sound | $1,359Fees | 0.230%Below | 35 | |
22 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Exceptional | Sound | $436Fees | 0.178%Above | 34 | |
23 | TOWNE MORTGAGE COMPANYIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | Sound | $2,246Fees | 0.422%Above | 33 | |
24 | SWBC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | Sound | $627Fees | 0.246%Above | 24 | |
25 | PENTAGON FEDERAL CREDIT UNIONCredit Union | Strong | Strong | Exceptional | Sound | Sound | $1,671Fees | 0.391%Below | 15 | |
26 | Northpointe BankBank | Strong | Sound | Strong | Strong | Strong | $3,138Fees | 0.416%Above | 62 | |
27 | Bank of EnglandBank | Strong | Sound | Strong | Strong | Strong | $4,269Fees | 0.543%Above | 41 | |
28 | Centennial BankBank | Strong | Sound | Strong | Strong | Strong | $2,199Fees | 0.022%Above | 37 | |
29 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $1,999Fees | 0.036%Above | 26 | |
30 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $3,529Fees | 0.247%Above | 23 | |
31 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Sound | $1,761Fees | 0.494%Above | 19 | |
32 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $5,424Fees | 0.240%Below | 141 | |
33 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,098Fees | 0.473%Above | 104 | |
34 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,343Fees | 0.088%Above | 37 | |
35 | Wells Fargo Bank, National AssociationBank | Strong | Sound | Exceptional | Sound | Sound | $2,345Fees | 0.021%Above | 33 | |
36 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $4,319Fees | 0.749%Above | 28 | |
37 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,020Fees | 0.168%Above | 37 | |
38 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,803Fees | 0.048%Above | 36 | |
39 | MORTGAGE SOLUTIONS OF COLORADO, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,838Fees | 0.745%Above | 22 | |
40 | STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,481Fees | 0.298%Above | 18 | |
41 | LAKEVIEW LOAN SERVICING, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Sound | $2,831Fees | 0.265%Above | 17 | |
42 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Sound | Exceptional | $2,260Fees | 0.001%Below | 381 | |
43 | Waterstone Mortgage CorporationIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,961Fees | 0.460%Above | 118 | |
44 | COASTAL LOANS, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Sound | $3,850Fees | 0.117%Above | 22 | |
45 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $4,318Fees | 0.394%Above | 21 | |
46 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $3,681Fees | 0.611%Above | 21 | |
47 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Sound | $560Fees | 0.370%Above | 13 | |
48 | SUMMIT FUNDING, INC.Independent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $2,463Fees | 0.287%Below | 27 | |
49 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $3,792Fees | 0.123%Above | 26 |
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.