Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | TRAILBLAZER MORTGAGE L.L.C.Independent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Exceptional | $2,377Fees | 0.472%Below | 770 | |
2 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,648Fees | 0.165%Above | 1,970 | |
3 | First Heritage Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,936Fees | 0.289%Above | 512 | |
4 | FBC MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,110Fees | 0.006%Above | 490 | |
5 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,909Fees | 0.131%Above | 11,272 | |
6 | BANKSOUTH MORTGAGE COMPANY, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $4,153Fees | 0.252%Above | 2,119 | |
7 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Exceptional | $1,987Fees | 0.009%Above | 1,954 | |
8 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,837Fees | 0.193%Above | 1,807 | |
9 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $3,134Fees | 0.225%Above | 1,019 | |
10 | SouthState Bank, National AssociationBank | Exceptional | Strong | Strong | Strong | Exceptional | $2,321Fees | 0.144%Above | 1,005 | |
11 | Synovus BankBank | Exceptional | Strong | Strong | Strong | Exceptional | $2,220Fees | 0.059%Above | 893 | |
12 | MORTGAGE ASSURANCE, INC.Independent Mortgage Company | Exceptional | Strong | Strong | Strong | Exceptional | $2,243Fees | 0.112%Above | 562 | |
13 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,805Fees | 0.214%Above | 399 | |
14 | NBKC BANKBank | Exceptional | Exceptional | Strong | Sound | Strong | $772Fees | 0.177%Below | 319 | |
15 | Cadence BankBank | Exceptional | Strong | Exceptional | Strong | Strong | $2,624Fees | 0.116%Above | 282 | |
16 | Ameris BankBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,175Fees | 0.190%Above | 4,440 | |
17 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,013Fees | 0.016%Below | 2,166 | |
18 | Truist BankBank | Exceptional | Strong | Strong | Sound | Exceptional | $959Fees | 0.057%Above | 1,612 | |
19 | Flagstar Bank, N.A.Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,823Fees | 0.364%Above | 1,161 | |
20 | Renasant BankBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,111Fees | 0.178%Above | 1,064 | |
21 | COLONY BANKBank | Exceptional | Sound | Strong | Exceptional | Exceptional | $2,178Fees | 0.290%Above | 610 | |
22 | SWBC MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,796Fees | 0.310%Above | 506 | |
23 | First Federal BankBank | Exceptional | Strong | Strong | Strong | Strong | $1,649Fees | 0.010%Below | 458 | |
24 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $294Fees | 0.060%Below | 445 | |
25 | TOWNE MORTGAGE COMPANYIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,911Fees | 0.448%Above | 360 | |
26 | First Horizon BankBank | Exceptional | Strong | Strong | Strong | Strong | $1,274Fees | 0.112%Above | 303 | |
27 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,205Fees | 0.286%Above | 13,981 | |
28 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,676Fees | 0.426%Above | 3,242 | |
29 | Regions BankBank | Strong | Sound | Exceptional | Sound | Exceptional | $2,457Fees | 0.228%Above | 1,121 | |
30 | United Community BankBank | Strong | Sound | Strong | Strong | Exceptional | $2,219Fees | 0.458%Above | 1,000 | |
31 | Capital City Home Loans, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $2,167Fees | 0.305%Above | 822 | |
32 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,316Fees | 0.799%Above | 803 | |
33 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,569Fees | 0.398%Above | 736 | |
34 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,626Fees | 0.258%Above | 451 | |
35 | Plains Commerce BankBank | Strong | Sound | Exceptional | Strong | Strong | $3,578Fees | 0.337%Above | 354 | |
36 | EMM LOANS LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,174Fees | 0.469%Above | 328 | |
37 | FirstBankBank | Strong | Sound | Exceptional | Strong | Strong | $2,238Fees | 0.288%Above | 292 | |
38 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,666Fees | 0.280%Above | 2,603 | |
39 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,012Fees | 0.316%Above | 2,399 | |
40 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Sound | Exceptional | $2,474Fees | 0.113%Above | 1,962 | |
41 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,505Fees | 0.286%Above | 1,526 | |
42 | CANOPY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,537Fees | 0.366%Above | 1,308 | |
43 | ZILLOW HOME LOANS, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,923Fees | 0.332%Above | 947 | |
44 | ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,148Fees | 0.327%Above | 883 | |
45 | HOMEOWNERS FINANCIAL GROUP USA, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,631Fees | 0.354%Above | 822 | |
46 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,683Fees | 0.464%Above | 597 | |
47 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,690Fees | 0.508%Above | 585 | |
48 | Magnolia Bank, IncorporatedBank | Strong | Sound | Strong | Strong | Strong | $3,165Fees | 0.161%Above | 536 | |
49 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,429Fees | 0.646%Above | 491 | |
50 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,015Fees | 0.336%Above | 419 |
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.