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 | Strong | Exceptional | Exceptional | Exceptional | $3,108Fees | 0.216%Above | 222 | |
2 | JET HOMELOANS, LPIndependent Mortgage Company | Exceptional | Exceptional | Strong | Exceptional | Strong | $1,841Fees | 0.511%Below | 68 | |
3 | VELOCIO MORTGAGE L.L.C.Independent Mortgage Company | Exceptional | Exceptional | Exceptional | Exceptional | Sound | $1,265Fees | 0.638%Below | 34 | |
4 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,206Fees | 0.248%Above | 1,475 | |
5 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,628Fees | 0.197%Above | 183 | |
6 | MATTAMY HOME FUNDING, LLCIndependent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Sound | $354Fees | 0.307%Above | 30 | |
7 | First Heritage Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Sound | $2,536Fees | 0.566%Below | 26 | |
8 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $1,567Fees | 0.146%Above | 145 | |
9 | RMC HOME MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,137Fees | 0.162%Below | 144 | |
10 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,319Fees | 0.276%Above | 973 | |
11 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,369Fees | 0.149%Below | 205 | |
12 | Ameris BankBank | Strong | Sound | Exceptional | Strong | Strong | $2,005Fees | 0.260%Above | 187 | |
13 | THE MORTGAGE FIRM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,418Fees | 0.473%Above | 180 | |
14 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $3,004Fees | 0.317%Above | 170 | |
15 | Truist BankBank | Strong | Strong | Strong | Sound | Strong | $1,681Fees | 0.224%Above | 125 | |
16 | Plains Commerce BankBank | Strong | Sound | Exceptional | Strong | Strong | $3,827Fees | 0.546%Above | 73 | |
17 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,958Fees | 0.345%Above | 63 | |
18 | SouthState Bank, National AssociationBank | Strong | Strong | Strong | Strong | Sound | $2,768Fees | 0.300%Above | 45 | |
19 | First Horizon BankBank | Strong | Strong | Strong | Strong | Sound | $1,661Fees | 0.145%Above | 37 | |
20 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,046Fees | 0.345%Above | 151 | |
21 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $2,618Fees | 0.360%Above | 134 | |
22 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,193Fees | 0.175%Below | 121 | |
23 | COASTAL LOANS, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $6,065Fees | 0.115%Above | 113 | |
24 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,962Fees | 0.343%Above | 60 | |
25 | M/I FINANCIAL, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $4,920Fees | 0.030%Above | 42 | |
26 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $3,016Fees | 0.353%Above | 41 | |
27 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $1,584Fees | 0.682%Above | 28 | |
28 | Waterstone Mortgage CorporationIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $5,125Fees | 0.535%Above | 301 | |
29 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,934Fees | 0.458%Above | 252 | |
30 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,604Fees | 0.496%Above | 137 | |
31 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Sound | Strong | $2,384Fees | 0.258%Above | 126 | |
32 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,413Fees | 0.407%Above | 100 | |
33 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,375Fees | 0.495%Above | 65 | |
34 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,594Fees | 0.377%Above | 65 | |
35 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,221Fees | 0.850%Above | 65 | |
36 | ZILLOW HOME LOANS, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,099Fees | 0.447%Above | 53 | |
37 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,342Fees | 0.483%Above | 45 | |
38 | AFFORDABLE MORTGAGE ADVISORS, LLC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,736Fees | 0.592%Above | 44 | |
39 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $2,572Fees | 0.391%Above | 44 | |
40 | EVERETT FINANCIAL, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $3,475Fees | 0.919%Above | 63 | |
41 | SUMMIT FUNDING, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,337Fees | 0.478%Above | 62 | |
42 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $5,002Fees | 0.161%Above | 56 | |
43 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,069Fees | 0.535%Above | 47 | |
44 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,408Fees | 0.691%Above | 47 | |
45 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,841Fees | 0.219%Above | 31 | |
46 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $4,039Fees | 0.904%Above | 27 | |
47 | SUN WEST MORTGAGE COMPANY, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $4,115Fees | 0.073%Above | 25 | |
48 | CANOPY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $4,395Fees | 0.321%Above | 24 | |
49 | AMERISAVE MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $5,693Fees | 0.714%Above | 32 |
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.