Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | First Heritage Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,552Fees | 0.173%Above | 149 | |
2 | FBC MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Strong | $1,066Fees | 0.613%Below | 134 | |
3 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,971Fees | 0.196%Above | 606 | |
4 | SouthState Bank, National AssociationBank | Exceptional | Strong | Strong | Strong | Exceptional | $1,577Fees | 0.219%Above | 235 | |
5 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,450Fees | 0.296%Above | 183 | |
6 | Southern First BankBank | Exceptional | Strong | Strong | Sound | Exceptional | $1,745Fees | 0.220%Above | 395 | |
7 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,685Fees | 0.360%Below | 331 | |
8 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $1,398Fees | 0.029%Above | 94 | |
9 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,042Fees | 0.087%Above | 93 | |
10 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $2,752Fees | 0.478%Above | 44 | |
11 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,144Fees | 0.318%Above | 1,063 | |
12 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,957Fees | 0.129%Above | 653 | |
13 | CountybankBank | Strong | Sound | Strong | Strong | Exceptional | $2,007Fees | 0.250%Above | 234 | |
14 | ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,092Fees | 0.403%Above | 213 | |
15 | Truist BankBank | Strong | Strong | Strong | Sound | Strong | $1,666Fees | 0.149%Above | 152 | |
16 | Ameris BankBank | Strong | Sound | Exceptional | Strong | Strong | $2,565Fees | 0.226%Above | 139 | |
17 | Renasant BankBank | Strong | Sound | Exceptional | Strong | Strong | $2,124Fees | 0.139%Above | 109 | |
18 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $2,052Fees | 0.268%Above | 87 | |
19 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,792Fees | 0.171%Above | 58 | |
20 | TOWNE MORTGAGE COMPANYIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | Sound | $3,729Fees | 0.328%Above | 45 | |
21 | GoodLeap, LLCIndependent Mortgage Company | Strong | Strong | Exceptional | Sound | Sound | $5,905Fees | 0.064%Below | 27 | |
22 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,940Fees | 0.363%Above | 268 | |
23 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,151Fees | 0.589%Above | 251 | |
24 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,793Fees | 0.500%Above | 152 | |
25 | United Community BankBank | Strong | Sound | Strong | Strong | Strong | $2,504Fees | 0.448%Above | 71 | |
26 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $2,783Fees | 0.355%Above | 64 | |
27 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,088Fees | 0.619%Above | 60 | |
28 | DELMAR FINANCIAL COMPANYIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $2,975Fees | 0.336%Above | 59 | |
29 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $3,263Fees | 0.311%Above | 40 | |
30 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,087Fees | 0.065%Above | 38 | |
31 | RESICENTRAL, LLCIndependent Mortgage Company | Strong | Strong | Strong | Sound | Sound | $2,765Fees | 0.182%Above | 36 | |
32 | PNC Bank, National AssociationBank | Strong | Strong | Strong | Sound | Sound | $923Fees | 0.244%Above | 29 | |
33 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,967Fees | 0.260%Above | 70 | |
34 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,826Fees | 0.479%Above | 68 | |
35 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,172Fees | 0.424%Above | 63 | |
36 | HOMEOWNERS FINANCIAL GROUP USA, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,192Fees | 0.472%Above | 47 | |
37 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $2,827Fees | 0.551%Above | 45 | |
38 | HOWARD HANNA FINANCIAL SERVICES, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Sound | $1,837Fees | 0.344%Above | 41 | |
39 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $4,015Fees | 0.462%Above | 33 | |
40 | Luminate Home Loans, Inc.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,103Fees | 0.227%Above | 200 | |
41 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $2,682Fees | 0.235%Above | 73 | |
42 | ON Q FINANCIAL, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $2,472Fees | 0.394%Above | 64 | |
43 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $3,489Fees | 0.715%Above | 53 | |
44 | SOUTHPOINT FINANCIAL SERVICES, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $2,504Fees | 0.306%Above | 51 | |
45 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,929Fees | 0.174%Above | 43 | |
46 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,930Fees | 0.297%Above | 41 | |
47 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $5,571Fees | 1.171%Above | 31 | |
48 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $4,279Fees | 1.031%Above | 28 | |
49 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,220Fees | 0.661%Above | 27 | |
50 | RESOURCE FINANCIAL SERVICES, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Sound | $2,742Fees | 0.266%Above | 28 |
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.