Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Synovus BankBank | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $2,220Fees | 0.059%Above | 893 | |
2 | Truist BankBank | Exceptional | Exceptional | Exceptional | Sound | Exceptional | $959Fees | 0.057%Above | 1,612 | |
3 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,909Fees | 0.131%Above | 11,272 | |
4 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $3,012Fees | 0.316%Above | 2,399 | |
5 | TRAILBLAZER MORTGAGE L.L.C.Independent Mortgage Company | Exceptional | Exceptional | Strong | Sound | Exceptional | $2,377Fees | 0.472%Below | 770 | |
6 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $3,134Fees | 0.225%Above | 1,019 | |
7 | United Community BankBank | Exceptional | Strong | Strong | Strong | Exceptional | $2,219Fees | 0.458%Above | 1,000 | |
8 | NEWREZ LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $3,041Fees | 0.339%Above | 842 | |
9 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,805Fees | 0.214%Above | 399 | |
10 | Ameris BankBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,175Fees | 0.190%Above | 4,440 | |
11 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,837Fees | 0.193%Above | 1,807 | |
12 | Renasant BankBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,111Fees | 0.178%Above | 1,064 | |
13 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,690Fees | 0.508%Above | 585 | |
14 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Sound | Exceptional | $2,823Fees | 0.364%Above | 1,161 | |
15 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,569Fees | 0.398%Above | 736 | |
16 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,225Fees | 0.217%Above | 725 | |
17 | COLONY BANKBank | Strong | Sound | — | Exceptional | Exceptional | $2,178Fees | 0.290%Above | 610 | |
18 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,355Fees | 0.503%Above | 599 | |
19 | Magnolia Bank, IncorporatedBank | Strong | Sound | Exceptional | Strong | Strong | $3,165Fees | 0.161%Above | 536 | |
20 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,087Fees | 0.644%Above | 376 | |
21 | TOWNE MORTGAGE COMPANYIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,911Fees | 0.448%Above | 360 | |
22 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,370Fees | 0.362%Above | 310 | |
23 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,505Fees | 0.286%Above | 1,526 | |
24 | CANOPY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,537Fees | 0.366%Above | 1,308 | |
25 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $1,316Fees | 0.799%Above | 803 | |
26 | MORTGAGE ASSURANCE, INC.Independent Mortgage Company | Strong | Sound | Sound | Strong | Exceptional | $2,243Fees | 0.112%Above | 562 | |
27 | BANKSOUTH MORTGAGE COMPANY, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $4,153Fees | 0.252%Above | 2,119 | |
28 | Capital City Home Loans, LLCIndependent Mortgage Company | Strong | Sound | Sound | Sound | Exceptional | $2,167Fees | 0.305%Above | 822 | |
29 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,392Fees | 0.449%Above | 740 | |
30 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,687Fees | 0.875%Above | 627 | |
31 | STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,169Fees | 0.397%Above | 532 | |
32 | SWBC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,796Fees | 0.310%Above | 506 | |
33 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,015Fees | 0.336%Above | 419 | |
34 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,346Fees | 0.417%Above | 383 | |
35 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,676Fees | 0.426%Above | 3,242 | |
36 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,041Fees | 0.463%Above | 3,205 | |
37 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $2,666Fees | 0.280%Above | 2,603 | |
38 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,060Fees | 0.556%Above | 2,044 | |
39 | SouthState Bank, National AssociationBank | Strong | Sound | Sound | Acceptable | Exceptional | $2,321Fees | 0.144%Above | 1,005 | |
40 | SOUTHEAST MORTGAGE OF GEORGIA, INC.Independent Mortgage Company | Strong | Mediocre | Strong | Strong | Exceptional | $4,587Fees | 0.541%Above | 1,129 | |
41 | ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,148Fees | 0.327%Above | 883 | |
42 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,631Fees | 0.682%Above | 831 | |
43 | HOMEOWNERS FINANCIAL GROUP USA, LLCIndependent Mortgage Company | Strong | Mediocre | Strong | Strong | Exceptional | $4,631Fees | 0.354%Above | 822 | |
44 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,683Fees | 0.464%Above | 597 | |
45 | ACOPIA, LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $4,891Fees | 0.463%Above | 488 | |
46 | PREMIER MORTGAGE RESOURCES, L.L.C.Independent Mortgage Company | Sound | Mediocre | Sound | Acceptable | Strong | $4,903Fees | 0.550%Above | 294 |
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.