Safe Rate Rankings
Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $3,521Fees | 0.200%Above | 260 | |
2 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $2,558Fees | 0.242%Below | 122 | |
3 | Truist BankBank | Strong | Strong | Strong | Strong | $630Fees | 0.001%Above | 56 | |
4 | Ameris BankBank | Strong | Sound | Exceptional | Strong | $3,557Fees | 0.301%Above | 76 | |
5 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $4,609Fees | 0.266%Above | 230 | |
6 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,924Fees | 0.345%Above | 125 | |
7 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | $1,486Fees | 1.140%Above | 46 | |
8 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $1,553Fees | 0.454%Below | 45 | |
9 | Regions BankBank | Strong | Sound | Strong | Strong | $2,218Fees | 0.220%Above | 43 | |
10 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $3,728Fees | 0.276%Above | 39 | |
11 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Strong | $2,254Fees | 0.139%Above | 38 | |
12 | Wells Fargo Bank, National AssociationBank | Strong | Strong | Sound | Sound | $2,985Fees | 0.022%Above | 21 | |
13 | GMFS LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | $3,508Fees | 0.077%Above | 20 | |
14 | BANKSOUTH MORTGAGE COMPANY, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $4,337Fees | 0.423%Above | 39 | |
15 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Sound | Strong | Sound | $4,718Fees | 0.372%Above | 27 | |
16 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Sound | $2,052Fees | 0.356%Above | 23 | |
17 | Capital City Home Loans, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | $2,526Fees | 0.259%Above | 21 | |
18 | EVERETT FINANCIAL, INC.Independent Mortgage Company | Sound | Mediocre | Exceptional | Strong | $5,990Fees | 0.829%Above | 56 | |
19 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | $4,411Fees | 0.493%Above | 49 | |
20 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Acceptable | Sound | Strong | $3,160Fees | 0.396%Above | 45 | |
21 | United Community BankBank | Sound | Acceptable | Sound | Strong | $1,875Fees | 0.690%Above | 44 | |
22 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Sound | Acceptable | Strong | Sound | $5,166Fees | 0.791%Above | 29 | |
23 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Sound | Acceptable | Strong | Sound | $5,210Fees | 0.497%Above | 26 | |
24 | ZILLOW HOME LOANS, LLCIndependent Mortgage Company | Sound | Acceptable | Strong | Sound | $4,016Fees | 0.127%Above | 21 | |
25 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Sound | Acceptable | Strong | Sound | $3,208Fees | 0.621%Above | 20 | |
26 | First Option Mortgage, LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | $4,216Fees | 0.908%Above | 47 | |
27 | HOMEOWNERS FINANCIAL GROUP USA, LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | $4,920Fees | 0.364%Above | 44 | |
28 | GUARANTY MORTGAGE SERVICES, L.L.C.Independent Mortgage Company | Sound | Mediocre | Sound | Strong | $3,977Fees | 0.461%Above | 30 | |
29 | SOUTHEAST MORTGAGE OF GEORGIA, INC.Independent Mortgage Company | Sound | Mediocre | Strong | Sound | $4,262Fees | 0.436%Above | 23 |
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.