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 | $2,642Fees | 0.055%Above | 2,836 | |
2 | JET HOMELOANS, LPIndependent Mortgage Company | Exceptional | Exceptional | Exceptional | Exceptional | Strong | $2,062Fees | 0.562%Below | 841 | |
3 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $3,415Fees | 0.281%Above | 38,081 | |
4 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Exceptional | $828Fees | 0.499%Below | 3,310 | |
5 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,662Fees | 0.118%Above | 4,424 | |
6 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,895Fees | 0.181%Above | 3,538 | |
7 | Ameris BankBank | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,570Fees | 0.236%Above | 1,655 | |
8 | Fifth Third Bank, National AssociationBank | Exceptional | Exceptional | Strong | Strong | Strong | $831Fees | 0.071%Above | 872 | |
9 | University BankBank | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,326Fees | 0.092%Above | 796 | |
10 | First Horizon BankBank | Exceptional | Exceptional | Strong | Strong | Strong | $1,584Fees | 0.108%Above | 685 | |
11 | First Federal BankBank | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,711Fees | 0.052%Below | 651 | |
12 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,523Fees | 0.631%Below | 631 | |
13 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Exceptional | $2,670Fees | 0.197%Above | 4,800 | |
14 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,407Fees | 0.378%Above | 3,386 | |
15 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,473Fees | 0.263%Above | 2,971 | |
16 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $3,471Fees | 0.244%Above | 2,579 | |
17 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $910Fees | 0.042%Above | 1,658 | |
18 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $3,176Fees | 0.635%Above | 1,353 | |
19 | KIND LENDING, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,914Fees | 0.359%Above | 1,134 | |
20 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $3,319Fees | 0.270%Above | 1,103 | |
21 | MATTAMY HOME FUNDING, LLCIndependent Mortgage Company | Exceptional | Strong | Strong | Exceptional | Strong | $566Fees | 0.275%Above | 1,062 | |
22 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,584Fees | 0.417%Above | 808 | |
23 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,500Fees | 0.023%Above | 5,290 | |
24 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,991Fees | 0.608%Above | 3,535 | |
25 | NEWREZ LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,830Fees | 0.390%Above | 3,238 | |
26 | Flagstar Bank, N.A.Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,266Fees | 0.357%Above | 2,796 | |
27 | Plains Commerce BankBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,381Fees | 0.426%Above | 1,767 | |
28 | M/I FINANCIAL, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $4,595Fees | 0.123%Below | 1,261 | |
29 | SouthState Bank, National AssociationBank | Exceptional | Strong | Strong | Strong | Strong | $2,520Fees | 0.231%Above | 1,255 | |
30 | USAA Federal Savings BankBank | Exceptional | Strong | Exceptional | Sound | Strong | $1,724Fees | 0.152%Below | 821 | |
31 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,285Fees | 0.349%Above | 760 | |
32 | SWBC MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,915Fees | 0.405%Above | 742 | |
33 | LAKE MICHIGAN CREDIT UNIONCredit Union | Exceptional | Strong | Strong | Strong | Strong | $1,393Fees | 0.071%Below | 726 | |
34 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,162Fees | 0.266%Above | 652 | |
35 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,427Fees | 0.268%Above | 21,334 | |
36 | Wells Fargo Bank, National AssociationBank | Strong | Sound | Exceptional | Sound | Exceptional | $2,202Fees | 0.023%Below | 2,427 | |
37 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,103Fees | 0.021%Above | 2,022 | |
38 | Truist BankBank | Strong | Strong | Strong | Sound | Strong | $1,221Fees | 0.078%Above | 1,767 | |
39 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,123Fees | 0.368%Above | 1,516 | |
40 | RMC HOME MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $4,148Fees | 0.107%Above | 1,176 | |
41 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,519Fees | 0.503%Above | 833 | |
42 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,612Fees | 0.168%Above | 753 | |
43 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,161Fees | 0.526%Above | 7,983 | |
44 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,164Fees | 0.455%Above | 4,175 | |
45 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,798Fees | 0.481%Above | 2,782 | |
46 | Regions BankBank | Strong | Sound | Strong | Sound | Exceptional | $2,339Fees | 0.216%Above | 2,282 | |
47 | Bank of EnglandBank | Strong | Sound | Strong | Strong | Strong | $2,967Fees | 0.298%Above | 785 | |
48 | OCMBC, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $4,435Fees | 0.785%Above | 679 | |
49 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,762Fees | 0.489%Above | 626 | |
50 | JMAC LENDING, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $2,785Fees | 0.359%Above | 613 |
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.