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 | Strong | Strong | $6Fees | 0.360%Below | 111 | |
2 | Tyndall Federal Credit UnionCredit Union | Exceptional | Exceptional | Strong | Exceptional | Strong | $1,634Fees | 0.057%Above | 45 | |
3 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,221Fees | 0.160%Above | 236 | |
4 | GMFS LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,609Fees | 0.119%Above | 92 | |
5 | Cadence BankBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,986Fees | 0.122%Above | 85 | |
6 | First Federal Bank, A FSBBank | Exceptional | Strong | Exceptional | Strong | Strong | $4,282Fees | 0.094%Below | 54 | |
7 | Trustmark National BankBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,274Fees | 0.289%Above | 165 | |
8 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $3,563Fees | 0.237%Above | 46 | |
9 | SWBC MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $5,632Fees | 0.438%Above | 44 | |
10 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $1,966Fees | 0.274%Above | 17 | |
11 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,011Fees | 0.330%Above | 262 | |
12 | FirstBankBank | Strong | Sound | Exceptional | Strong | Strong | $2,440Fees | 0.181%Above | 126 | |
13 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Strong | Exceptional | Sound | Sound | $1,506Fees | 0.056%Below | 45 | |
14 | TOWNE MORTGAGE COMPANYIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | Sound | $2,884Fees | 0.339%Above | 28 | |
15 | Regions BankBank | Strong | Sound | Exceptional | Sound | Strong | $2,444Fees | 0.268%Above | 138 | |
16 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $2,836Fees | 0.413%Above | 59 | |
17 | Plains Commerce BankBank | Strong | Sound | Exceptional | Strong | Sound | $3,385Fees | 0.519%Above | 37 | |
18 | RMC HOME MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $4,298Fees | 0.281%Above | 34 | |
19 | Bank of EnglandBank | Strong | Sound | Exceptional | Strong | Sound | $5,098Fees | 0.652%Above | 28 | |
20 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Sound | $2,527Fees | 0.398%Above | 27 | |
21 | NATIONS DIRECT MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $3,915Fees | 0.190%Above | 22 | |
22 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $1,065Fees | 0.209%Above | 16 | |
23 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,698Fees | 0.639%Above | 122 | |
24 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,487Fees | 0.480%Above | 39 | |
25 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $4,597Fees | 0.351%Above | 33 | |
26 | Magnolia Bank, IncorporatedBank | Strong | Sound | Strong | Strong | Sound | $2,779Fees | 0.624%Above | 26 | |
27 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,720Fees | 0.507%Above | 17 | |
28 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $4,212Fees | 0.193%Above | 31 | |
29 | STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $4,529Fees | 0.532%Above | 28 | |
30 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,845Fees | 0.381%Above | 24 | |
31 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,423Fees | 0.418%Above | 19 | |
32 | EMBRACE HOME LOANS, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $4,491Fees | 0.453%Above | 18 | |
33 | NORWICH COMMERCIAL GROUP, INC.Independent Mortgage Company | Strong | Sound | Strong | Sound | Sound | $1,154Fees | 0.038%Above | 11 | |
34 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $2,856Fees | 0.125%Above | 23 | |
35 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Acceptable | $3,140Fees | 0.618%Above | 10 | |
36 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $2,997Fees | 0.328%Above | 28 | |
37 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Sound | $5,095Fees | 0.804%Above | 44 |
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.