Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,521Fees | 0.200%Above | 260 | |
2 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,558Fees | 0.242%Below | 122 | |
3 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,254Fees | 0.139%Above | 38 | |
4 | BANKSOUTH MORTGAGE COMPANY, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $4,337Fees | 0.423%Above | 39 | |
5 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $3,728Fees | 0.276%Above | 39 | |
6 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,609Fees | 0.266%Above | 230 | |
7 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,924Fees | 0.345%Above | 125 | |
8 | Ameris BankBank | Strong | Sound | Exceptional | Strong | Strong | $3,557Fees | 0.301%Above | 76 | |
9 | Truist BankBank | Strong | Strong | Strong | Sound | Strong | $630Fees | 0.001%Above | 56 | |
10 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,486Fees | 1.140%Above | 46 | |
11 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,553Fees | 0.454%Below | 45 | |
12 | United Community BankBank | Strong | Sound | Strong | Strong | Strong | $1,875Fees | 0.690%Above | 44 | |
13 | HOMEOWNERS FINANCIAL GROUP USA, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,920Fees | 0.364%Above | 44 | |
14 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Acceptable | $1,916Fees | 0.531%Above | 10 | |
15 | EVERETT FINANCIAL, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $5,990Fees | 0.829%Above | 56 | |
16 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,411Fees | 0.493%Above | 49 | |
17 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $4,718Fees | 0.372%Above | 27 | |
18 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,208Fees | 0.621%Above | 20 | |
19 | STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $4,450Fees | 0.721%Above | 18 | |
20 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,954Fees | 0.531%Above | 12 | |
21 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $4,754Fees | 0.723%Above | 11 | |
22 | First Option Mortgage, LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $4,216Fees | 0.908%Above | 47 | |
23 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $3,160Fees | 0.396%Above | 45 | |
24 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $5,166Fees | 0.791%Above | 29 | |
25 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $5,210Fees | 0.497%Above | 26 | |
26 | SOUTHEAST MORTGAGE OF GEORGIA, INC.Independent Mortgage Company | Sound | Mediocre | Strong | Strong | Sound | $4,262Fees | 0.436%Above | 23 | |
27 | ACOPIA, LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Sound | $5,014Fees | 0.419%Above | 16 |
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.