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 | $3,108Fees | 0.216%Above | 222 | |
2 | JET HOMELOANS, LPIndependent Mortgage Company | Exceptional | Exceptional | Exceptional | Exceptional | Strong | $1,841Fees | 0.511%Below | 68 | |
3 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $3,206Fees | 0.248%Above | 1,475 | |
4 | VELOCIO MORTGAGE L.L.C.Independent Mortgage Company | Exceptional | Exceptional | Exceptional | Exceptional | Sound | $1,265Fees | 0.638%Below | 34 | |
5 | Ameris BankBank | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,005Fees | 0.260%Above | 187 | |
6 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $580Fees | 0.560%Below | 130 | |
7 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,628Fees | 0.197%Above | 183 | |
8 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,567Fees | 0.146%Above | 145 | |
9 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $3,413Fees | 0.407%Above | 100 | |
10 | First Horizon BankBank | Exceptional | Exceptional | Strong | Strong | Sound | $1,661Fees | 0.145%Above | 37 | |
11 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,934Fees | 0.458%Above | 252 | |
12 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $2,384Fees | 0.258%Above | 126 | |
13 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,594Fees | 0.377%Above | 65 | |
14 | KIND LENDING, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $3,016Fees | 0.353%Above | 41 | |
15 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $1,584Fees | 0.682%Above | 28 | |
16 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,319Fees | 0.276%Above | 973 | |
17 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,369Fees | 0.149%Below | 205 | |
18 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $3,004Fees | 0.317%Above | 170 | |
19 | RMC HOME MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $4,137Fees | 0.162%Below | 144 | |
20 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,618Fees | 0.360%Above | 134 | |
21 | Truist BankBank | Strong | Strong | Strong | Sound | Strong | $1,681Fees | 0.224%Above | 125 | |
22 | Plains Commerce BankBank | Strong | Sound | Exceptional | Strong | Strong | $3,827Fees | 0.546%Above | 73 | |
23 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $4,375Fees | 0.495%Above | 65 | |
24 | USAA Federal Savings BankBank | Strong | Strong | Exceptional | Sound | Sound | $1,032Fees | 0.095%Below | 48 | |
25 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | Sound | $3,342Fees | 0.483%Above | 45 | |
26 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,046Fees | 0.345%Above | 151 | |
27 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,193Fees | 0.175%Below | 121 | |
28 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,797Fees | 0.111%Above | 28 | |
29 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,068Fees | 0.549%Above | 251 | |
30 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,093Fees | 0.603%Above | 200 | |
31 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,604Fees | 0.496%Above | 137 | |
32 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,804Fees | 0.282%Above | 78 | |
33 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,962Fees | 0.343%Above | 60 | |
34 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $2,572Fees | 0.391%Above | 44 | |
35 | Waterstone Mortgage CorporationIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $5,125Fees | 0.535%Above | 301 | |
36 | COASTAL LOANS, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $6,065Fees | 0.115%Above | 113 | |
37 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $4,221Fees | 0.850%Above | 65 | |
38 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $5,002Fees | 0.161%Above | 56 | |
39 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,841Fees | 0.219%Above | 31 | |
40 | THE MORTGAGE FIRM, INC.Independent Mortgage Company | Strong | Mediocre | Strong | Strong | Exceptional | $3,418Fees | 0.473%Above | 180 | |
41 | EVERETT FINANCIAL, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,475Fees | 0.919%Above | 63 | |
42 | SUMMIT FUNDING, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,337Fees | 0.478%Above | 62 | |
43 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Sound | $3,069Fees | 0.535%Above | 47 | |
44 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $3,628Fees | 0.584%Above | 98 | |
45 | AFFORDABLE MORTGAGE ADVISORS, LLC.Independent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $2,736Fees | 0.592%Above | 44 | |
46 | Ixonia BankBank | Sound | Mediocre | Exceptional | Strong | Sound | $3,349Fees | 0.593%Above | 41 | |
47 | NextMortgage, LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Sound | Strong | $3,744Fees | 0.741%Above | 92 | |
48 | NEW DAY FINANCIAL, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Sound | $5,904Fees | 0.832%Above | 43 |
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.