Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | First Heritage Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,680Fees | 0.118%Above | 272 | |
2 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,615Fees | 0.174%Above | 435 | |
3 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,445Fees | 0.103%Above | 637 | |
4 | Towne BankBank | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,232Fees | 0.067%Above | 336 | |
5 | Sandy Spring BankBank | Exceptional | Strong | Strong | Strong | Exceptional | $1,059Fees | 0.105%Above | 193 | |
6 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,286Fees | 0.077%Above | 140 | |
7 | Truist BankBank | Exceptional | Strong | Strong | Sound | Exceptional | $537Credit | 0.137%Below | 441 | |
8 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $1,878Fees | 0.111%Below | 153 | |
9 | United BankBank | Exceptional | Strong | Strong | Strong | Strong | $2,336Fees | 0.008%Below | 137 | |
10 | STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATEDCredit Union | Exceptional | Strong | Strong | Sound | Exceptional | $814Fees | 0.528%Below | 123 | |
11 | INTERCOASTAL MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Strong | Strong | Strong | $2,701Fees | 0.077%Above | 71 | |
12 | SOFI BANK, NATIONAL ASSOCIATIONBank | Exceptional | Exceptional | Strong | Sound | Sound | $362Credit | 0.017%Below | 30 | |
13 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,736Fees | 0.140%Above | 988 | |
14 | Atlantic Coast Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,846Fees | 0.103%Above | 222 | |
15 | Shore United Bank, N.A.Bank | Strong | Sound | Strong | Strong | Exceptional | $3,805Fees | 0.159%Above | 117 | |
16 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,856Fees | 0.059%Above | 110 | |
17 | Capital Bank, National AssociationBank | Strong | Strong | Strong | Sound | Strong | $1,814Fees | 0.143%Above | 86 | |
18 | Ameris BankBank | Strong | Sound | Exceptional | Strong | Strong | $3,598Fees | 0.143%Above | 67 | |
19 | EMBRACE HOME LOANS, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,721Fees | 0.267%Above | 242 | |
20 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,117Fees | 0.018%Below | 217 | |
21 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,036Fees | 0.305%Above | 173 | |
22 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $2,230Fees | 0.264%Above | 169 | |
23 | HOMESPIRE MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,117Fees | 0.436%Above | 156 | |
24 | Vellum Mortgage, Inc.Independent Mortgage Company | Strong | Acceptable | Strong | Exceptional | Exceptional | $2,894Fees | 0.155%Above | 152 | |
25 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,616Fees | 0.211%Above | 137 | |
26 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,329Fees | 0.295%Above | 72 | |
27 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,820Fees | 0.416%Above | 62 | |
28 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,452Fees | 0.263%Above | 58 | |
29 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Sound | $3,359Fees | 0.084%Above | 39 | |
30 | FIRST HOME MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $3,897Fees | 0.297%Above | 483 | |
31 | FIRST SAVINGS MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $2,505Fees | 0.159%Above | 287 | |
32 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,227Fees | 0.017%Above | 180 | |
33 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,209Fees | 0.062%Above | 117 | |
34 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,464Fees | 0.196%Above | 112 | |
35 | THE MORTGAGE LINK, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,744Fees | 0.353%Above | 92 | |
36 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,323Fees | 0.048%Above | 88 | |
37 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,315Fees | 0.311%Above | 66 | |
38 | Integrity Home Mortgage CorporationIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,458Fees | 0.521%Above | 60 | |
39 | Presidential Bank, FSBBank | Strong | Acceptable | Strong | Strong | Strong | $3,637Fees | 0.222%Above | 124 | |
40 | DIRECT MORTGAGE LOANS, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,171Fees | 0.325%Above | 97 | |
41 | ENVOY MORTGAGE, LTDIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $3,659Fees | 0.244%Above | 54 | |
42 | OCMBC, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,037Fees | 1.143%Above | 38 | |
43 | Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,755Fees | 0.224%Above | 32 | |
44 | MDE HOME LOANS, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $1,313Fees | 0.201%Above | 29 | |
45 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,873Fees | 0.330%Above | 29 | |
46 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $2,713Fees | 0.181%Above | 223 | |
47 | FIDELITY DIRECT MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Strong | Exceptional | Strong | $3,622Fees | 0.310%Above | 71 | |
48 | PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,257Fees | 0.262%Above | 68 | |
49 | EQUITY RESOURCES, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Sound | $2,808Fees | 0.265%Above | 41 | |
50 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $353Fees | 0.156%Below | 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.