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 | $2,642Fees | 0.055%Above | 2,836 | |
2 | JET HOMELOANS, LPIndependent Mortgage Company | Exceptional | Exceptional | Strong | Exceptional | Strong | $2,062Fees | 0.562%Below | 841 | |
3 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,662Fees | 0.118%Above | 4,424 | |
4 | MATTAMY HOME FUNDING, LLCIndependent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Strong | $566Fees | 0.275%Above | 1,062 | |
5 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,415Fees | 0.281%Above | 38,081 | |
6 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Exceptional | $1,895Fees | 0.181%Above | 3,538 | |
7 | University BankBank | Exceptional | Strong | Strong | Exceptional | Strong | $2,326Fees | 0.092%Above | 796 | |
8 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,162Fees | 0.266%Above | 652 | |
9 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,500Fees | 0.023%Above | 5,290 | |
10 | Flagstar Bank, N.A.Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,266Fees | 0.357%Above | 2,796 | |
11 | Plains Commerce BankBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,381Fees | 0.426%Above | 1,767 | |
12 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $910Fees | 0.042%Above | 1,658 | |
13 | SouthState Bank, National AssociationBank | Exceptional | Strong | Strong | Strong | Strong | $2,520Fees | 0.231%Above | 1,255 | |
14 | RMC HOME MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,148Fees | 0.107%Above | 1,176 | |
15 | Fifth Third Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $831Fees | 0.071%Above | 872 | |
16 | SWBC MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,915Fees | 0.405%Above | 742 | |
17 | LAKE MICHIGAN CREDIT UNIONCredit Union | Exceptional | Strong | Strong | Strong | Strong | $1,393Fees | 0.071%Below | 726 | |
18 | First Horizon BankBank | Exceptional | Strong | Strong | Strong | Strong | $1,584Fees | 0.108%Above | 685 | |
19 | First Federal BankBank | Exceptional | Strong | Strong | Strong | Strong | $1,711Fees | 0.052%Below | 651 | |
20 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,523Fees | 0.631%Below | 631 | |
21 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,427Fees | 0.268%Above | 21,334 | |
22 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Exceptional | $2,830Fees | 0.390%Above | 3,238 | |
23 | THE MORTGAGE FIRM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,492Fees | 0.491%Above | 2,773 | |
24 | Regions BankBank | Strong | Sound | Exceptional | Sound | Exceptional | $2,339Fees | 0.216%Above | 2,282 | |
25 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,103Fees | 0.021%Above | 2,022 | |
26 | Truist BankBank | Strong | Strong | Strong | Sound | Strong | $1,221Fees | 0.078%Above | 1,767 | |
27 | Ameris BankBank | Strong | Sound | Exceptional | Strong | Strong | $2,570Fees | 0.236%Above | 1,655 | |
28 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,123Fees | 0.368%Above | 1,516 | |
29 | M/I FINANCIAL, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $4,595Fees | 0.123%Below | 1,261 | |
30 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,914Fees | 0.359%Above | 1,134 | |
31 | COASTAL LOANS, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $5,992Fees | 0.073%Above | 1,075 | |
32 | SPACE COAST CREDIT UNIONCredit Union | Strong | Strong | Sound | Sound | Exceptional | $451Fees | 0.120%Below | 1,012 | |
33 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,584Fees | 0.417%Above | 808 | |
34 | Bank of EnglandBank | Strong | Sound | Exceptional | Strong | Strong | $2,967Fees | 0.298%Above | 785 | |
35 | TD Bank, National AssociationBank | Strong | Strong | Strong | Sound | Strong | $975Fees | 0.238%Above | 707 | |
36 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Sound | Exceptional | $2,670Fees | 0.197%Above | 4,800 | |
37 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,991Fees | 0.608%Above | 3,535 | |
38 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,407Fees | 0.378%Above | 3,386 | |
39 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,473Fees | 0.263%Above | 2,971 | |
40 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,798Fees | 0.481%Above | 2,782 | |
41 | Wells Fargo Bank, National AssociationBank | Strong | Sound | Strong | Sound | Exceptional | $2,202Fees | 0.023%Below | 2,427 | |
42 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,300Fees | 0.457%Above | 1,846 | |
43 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,285Fees | 0.349%Above | 760 | |
44 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,762Fees | 0.489%Above | 626 | |
45 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,471Fees | 0.244%Above | 2,579 | |
46 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,651Fees | 0.404%Above | 1,626 | |
47 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,176Fees | 0.635%Above | 1,353 | |
48 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,222Fees | 0.329%Above | 1,310 | |
49 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,000Fees | 0.433%Above | 1,274 | |
50 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,680Fees | 0.690%Above | 1,270 |
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.