Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | VELOCIO MORTGAGE L.L.C.Independent Mortgage Company | Exceptional | Exceptional | Exceptional | Exceptional | Strong | $482Fees | 0.889%Below | 75 | |
2 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,211Fees | 0.065%Above | 427 | |
3 | First-Citizens Bank & Trust CompanyBank | Exceptional | Exceptional | Strong | Sound | Strong | $1,160Fees | 0.012%Below | 136 | |
4 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $294Credit | 0.003%Below | 62 | |
5 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $1,708Fees | 0.012%Above | 96 | |
6 | American Security Mortgage Corp.Independent Mortgage Company | Exceptional | Strong | Strong | Strong | Strong | $2,172Fees | 0.054%Above | 94 | |
7 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,971Fees | 0.237%Above | 511 | |
8 | Truist BankBank | Strong | Strong | Strong | Sound | Strong | $973Fees | 0.032%Above | 150 | |
9 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,400Fees | 0.135%Below | 114 | |
10 | M/I FINANCIAL, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,738Fees | 0.141%Below | 44 | |
11 | INTERCOASTAL MORTGAGE, LLCIndependent Mortgage Company | Strong | Strong | Strong | Strong | Sound | $1,558Fees | 0.264%Above | 25 | |
12 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Exceptional | Sound | $3,729Fees | 0.259%Above | 24 | |
13 | GoodLeap, LLCIndependent Mortgage Company | Strong | Strong | Exceptional | Sound | Sound | $4,174Fees | 0.216%Below | 17 | |
14 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,602Fees | 0.213%Above | 257 | |
15 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,976Fees | 0.346%Above | 110 | |
16 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,562Fees | 0.337%Above | 84 | |
17 | Towne Mortgage of the Carolinas, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $3,210Fees | 0.197%Above | 44 | |
18 | ZILLOW HOME LOANS, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,928Fees | 0.272%Above | 77 | |
19 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,969Fees | 0.106%Above | 68 | |
20 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,970Fees | 0.130%Above | 51 | |
21 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Sound | $2,074Fees | 0.117%Above | 46 | |
22 | ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,396Fees | 0.243%Above | 38 | |
23 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,766Fees | 0.539%Above | 30 | |
24 | Heritage Mortgage, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Sound | $3,635Fees | 0.319%Above | 15 | |
25 | CORNERSTONE CAPITAL BANK, SSBBank | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,525Fees | 0.521%Above | 14 | |
26 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,288Fees | 0.066%Above | 46 | |
27 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,109Fees | 0.417%Above | 106 | |
28 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $4,633Fees | 0.477%Above | 21 | |
29 | AMERISAVE MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $4,087Fees | 0.677%Above | 15 | |
30 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $2,447Fees | 0.254%Above | 34 | |
31 | GoPrime Mortgage, Inc.Independent Mortgage Company | Sound | Acceptable | Strong | Sound | Sound | $2,596Fees | 0.470%Above | 32 | |
32 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Sound | $2,616Fees | 0.437%Above | 41 |
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.