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 | $1,066Fees | 0.613%Below | 134 | |
2 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,971Fees | 0.196%Above | 606 | |
3 | Ameris BankBank | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,565Fees | 0.226%Above | 139 | |
4 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,232Fees | 0.538%Below | 122 | |
5 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Strong | $3,042Fees | 0.087%Above | 93 | |
6 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,957Fees | 0.129%Above | 653 | |
7 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,940Fees | 0.363%Above | 268 | |
8 | SouthState Bank, National AssociationBank | Exceptional | Strong | Strong | Strong | Exceptional | $1,577Fees | 0.219%Above | 235 | |
9 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,450Fees | 0.296%Above | 183 | |
10 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,398Fees | 0.029%Above | 94 | |
11 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,967Fees | 0.260%Above | 70 | |
12 | Southern First BankBank | Exceptional | Strong | Strong | Sound | Exceptional | $1,745Fees | 0.220%Above | 395 | |
13 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,685Fees | 0.360%Below | 331 | |
14 | First Heritage Mortgage, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,552Fees | 0.173%Above | 149 | |
15 | Renasant BankBank | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,124Fees | 0.139%Above | 109 | |
16 | USAA Federal Savings BankBank | Exceptional | Strong | Exceptional | Sound | Strong | $1,823Fees | 0.090%Below | 57 | |
17 | KIND LENDING, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $3,263Fees | 0.311%Above | 40 | |
18 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,144Fees | 0.318%Above | 1,063 | |
19 | ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,092Fees | 0.403%Above | 213 | |
20 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $2,052Fees | 0.268%Above | 87 | |
21 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,682Fees | 0.235%Above | 73 | |
22 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,151Fees | 0.589%Above | 251 | |
23 | CountybankBank | Strong | Sound | Strong | Sound | Exceptional | $2,007Fees | 0.250%Above | 234 | |
24 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,793Fees | 0.500%Above | 152 | |
25 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,143Fees | 0.479%Above | 95 | |
26 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,490Fees | 0.591%Above | 211 | |
27 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,242Fees | 0.288%Above | 195 | |
28 | ACOPIA, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $3,560Fees | 0.255%Above | 149 | |
29 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,430Fees | 0.534%Above | 100 | |
30 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,826Fees | 0.479%Above | 68 | |
31 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,172Fees | 0.424%Above | 63 | |
32 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,088Fees | 0.619%Above | 60 | |
33 | SOUTHPOINT FINANCIAL SERVICES, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $2,504Fees | 0.306%Above | 51 | |
34 | HOMEOWNERS FINANCIAL GROUP USA, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $4,192Fees | 0.472%Above | 47 | |
35 | Luminate Home Loans, Inc.Independent Mortgage Company | Strong | Mediocre | Strong | Strong | Exceptional | $4,103Fees | 0.227%Above | 200 | |
36 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $2,969Fees | 0.674%Above | 127 | |
37 | NEW DAY FINANCIAL, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Sound | $5,450Fees | 1.115%Above | 36 |
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.