Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | FBC MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Exceptional | Exceptional | Exceptional | Strong | $2,110Fees | 0.006%Above | 490 | |
2 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,909Fees | 0.131%Above | 11,272 | |
3 | Ameris BankBank | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $3,175Fees | 0.190%Above | 4,440 | |
4 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,837Fees | 0.193%Above | 1,807 | |
5 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Exceptional | $739Fees | 0.483%Below | 1,780 | |
6 | TRAILBLAZER MORTGAGE L.L.C.Independent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Exceptional | $2,377Fees | 0.472%Below | 770 | |
7 | NBKC BANKBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $772Fees | 0.177%Below | 319 | |
8 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,648Fees | 0.165%Above | 1,970 | |
9 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,987Fees | 0.009%Above | 1,954 | |
10 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $3,505Fees | 0.286%Above | 1,526 | |
11 | First Federal BankBank | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,649Fees | 0.010%Below | 458 | |
12 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,666Fees | 0.280%Above | 2,603 | |
13 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Exceptional | $2,474Fees | 0.113%Above | 1,962 | |
14 | Renasant BankBank | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,111Fees | 0.178%Above | 1,064 | |
15 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $3,134Fees | 0.225%Above | 1,019 | |
16 | SouthState Bank, National AssociationBank | Exceptional | Strong | Strong | Strong | Exceptional | $2,321Fees | 0.144%Above | 1,005 | |
17 | United Community BankBank | Exceptional | Strong | Strong | Strong | Exceptional | $2,219Fees | 0.458%Above | 1,000 | |
18 | Synovus BankBank | Exceptional | Strong | Strong | Strong | Exceptional | $2,220Fees | 0.059%Above | 893 | |
19 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,316Fees | 0.799%Above | 803 | |
20 | KIND LENDING, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,569Fees | 0.398%Above | 736 | |
21 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $294Fees | 0.060%Below | 445 | |
22 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,087Fees | 0.644%Above | 376 | |
23 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $3,617Fees | 0.428%Above | 374 | |
24 | FirstBankBank | Exceptional | Strong | Strong | Exceptional | Strong | $2,238Fees | 0.288%Above | 292 | |
25 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,013Fees | 0.016%Below | 2,166 | |
26 | Truist BankBank | Exceptional | Strong | Strong | Sound | Exceptional | $959Fees | 0.057%Above | 1,612 | |
27 | Flagstar Bank, N.A.Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,823Fees | 0.364%Above | 1,161 | |
28 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,225Fees | 0.217%Above | 725 | |
29 | USAA Federal Savings BankBank | Exceptional | Strong | Exceptional | Sound | Strong | $1,573Fees | 0.105%Below | 592 | |
30 | First Heritage Mortgage, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,936Fees | 0.289%Above | 512 | |
31 | SWBC MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,796Fees | 0.310%Above | 506 | |
32 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $4,015Fees | 0.336%Above | 419 | |
33 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,805Fees | 0.214%Above | 399 | |
34 | TOWNE MORTGAGE COMPANYIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,911Fees | 0.448%Above | 360 | |
35 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,205Fees | 0.286%Above | 13,981 | |
36 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,676Fees | 0.426%Above | 3,242 | |
37 | Wells Fargo Bank, National AssociationBank | Strong | Sound | Exceptional | Sound | Exceptional | $2,123Fees | 0.025%Above | 1,450 | |
38 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,041Fees | 0.339%Above | 842 | |
39 | COLONY BANKBank | Strong | Sound | Strong | Strong | Exceptional | $2,178Fees | 0.290%Above | 610 | |
40 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,355Fees | 0.503%Above | 599 | |
41 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,100Fees | 0.255%Above | 564 | |
42 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,626Fees | 0.258%Above | 451 | |
43 | Plains Commerce BankBank | Strong | Sound | Exceptional | Strong | Strong | $3,578Fees | 0.337%Above | 354 | |
44 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,370Fees | 0.362%Above | 310 | |
45 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,325Fees | 0.493%Above | 3,330 | |
46 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,012Fees | 0.316%Above | 2,399 | |
47 | BANKSOUTH MORTGAGE COMPANY, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | Exceptional | $4,153Fees | 0.252%Above | 2,119 | |
48 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,060Fees | 0.556%Above | 2,044 | |
49 | ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,148Fees | 0.327%Above | 883 | |
50 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,690Fees | 0.508%Above | 585 |
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.