Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | REDSTONE Federal Credit UnionCredit Union | Exceptional | Strong | Strong | Exceptional | $1,152Fees | 0.305%Above | 100 | |
2 | Heritage Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Strong | Exceptional | $2,388Fees | 0.101%Below | 56 | |
3 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $2,484Fees | 0.011%Below | 90 | |
4 | SouthPoint BankBank | Strong | Sound | Strong | Exceptional | $2,821Fees | 0.455%Above | 71 | |
5 | MORTGAGE INVESTORS GROUP, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | $3,796Fees | 0.266%Above | 36 | |
6 | Bank IndependentBank | Strong | Sound | Exceptional | Strong | $3,051Fees | 0.118%Above | 32 | |
7 | FirstBankBank | Strong | Sound | Exceptional | Strong | $2,170Fees | 0.299%Above | 27 | |
8 | Trustmark National BankBank | Strong | Sound | Exceptional | Strong | $2,237Fees | 0.163%Above | 25 | |
9 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $4,072Fees | 0.476%Above | 169 | |
10 | Regions BankBank | Strong | Sound | Strong | Strong | $1,822Fees | 0.564%Above | 52 | |
11 | Synovus BankBank | Strong | Sound | Strong | Strong | $2,409Fees | 0.284%Above | 51 | |
12 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Strong | $3,519Fees | 0.058%Below | 39 | |
13 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $2,901Fees | 0.110%Above | 33 | |
14 | LENDLO MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | $2,426Fees | 0.201%Above | 22 | |
15 | FIRST COLONY MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | $2,861Fees | 0.080%Above | 21 | |
16 | Renasant BankBank | Strong | Acceptable | Exceptional | Strong | $2,747Fees | 0.300%Above | 38 | |
17 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,977Fees | 0.568%Above | 33 | |
18 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | $3,411Fees | 0.788%Above | 22 | |
19 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Sound | $2,215Fees | 0.053%Above | 21 | |
20 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Sound | Exceptional | $1,811Fees | 0.596%Above | 67 | |
21 | STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,378Fees | 0.418%Above | 38 | |
22 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Sound | $4,539Fees | 0.038%Above | 23 | |
23 | TOWNE MORTGAGE COMPANYIndependent Mortgage Company | Sound | Acceptable | Strong | Sound | $3,078Fees | 0.397%Above | 21 | |
24 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Sound | Acceptable | Strong | Sound | $3,695Fees | 0.438%Above | 20 | |
25 | United Community BankBank | Sound | Acceptable | Sound | Sound | $1,538Fees | 0.471%Above | 20 |
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.