Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | DSLD MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Exceptional | Exceptional | Exceptional | Exceptional | $53Fees | 0.374%Below | 263 | |
2 | KEESLERCredit Union | Exceptional | Exceptional | Strong | Strong | Exceptional | $532Fees | 0.406%Below | 251 | |
3 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Exceptional | $603Fees | 0.407%Below | 149 | |
4 | FBC MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Exceptional | Exceptional | Exceptional | Sound | $654Fees | 1.307%Below | 28 | |
5 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,821Fees | 0.036%Above | 88 | |
6 | FIRST COLONY MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,845Fees | 0.273%Above | 56 | |
7 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,590Fees | 0.446%Above | 377 | |
8 | SWBC MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,753Fees | 0.154%Above | 231 | |
9 | Trustmark National BankBank | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,116Fees | 0.242%Above | 227 | |
10 | GMFS LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,894Fees | 0.440%Above | 83 | |
11 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,420Fees | 0.680%Above | 53 | |
12 | HANCOCK WHITNEY BANKBank | Exceptional | Strong | Strong | Strong | Strong | $1,783Fees | 0.210%Above | 75 | |
13 | TOWNE MORTGAGE COMPANYIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,788Fees | 0.302%Above | 65 | |
14 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,888Fees | 0.376%Above | 46 | |
15 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $2,561Fees | 0.304%Below | 31 | |
16 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $1,942Fees | 0.186%Above | 14 | |
17 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,833Fees | 0.408%Above | 332 | |
18 | Cadence BankBank | Strong | Sound | Strong | Strong | Exceptional | $1,472Fees | 0.358%Above | 158 | |
19 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,174Fees | 0.242%Above | 45 | |
20 | USAA Federal Savings BankBank | Strong | Strong | Exceptional | Sound | Sound | $993Fees | 0.031%Above | 37 | |
21 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,183Credit | 0.135%Above | 231 | |
22 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,564Fees | 0.551%Above | 166 | |
23 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,166Fees | 0.539%Above | 93 | |
24 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Sound | $1,294Fees | 0.044%Above | 39 | |
25 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,412Fees | 0.512%Above | 27 | |
26 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $3,102Fees | 0.063%Above | 25 | |
27 | PLANET HOME LENDING, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,633Fees | 0.500%Above | 20 | |
28 | MORTGAGE SOLUTIONS OF COLORADO, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,548Fees | 0.650%Above | 106 | |
29 | Magnolia Bank, IncorporatedBank | Strong | Acceptable | Exceptional | Strong | Strong | $3,221Fees | 0.308%Above | 105 | |
30 | Regions BankBank | Strong | Sound | Strong | Sound | Strong | $2,531Fees | 0.385%Above | 101 | |
31 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,476Fees | 0.062%Below | 15 | |
32 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $2,726Fees | 0.657%Above | 107 | |
33 | AFFORDABLE MORTGAGE ADVISORS, LLC.Independent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $2,558Fees | 0.451%Above | 36 | |
34 | NEW DAY FINANCIAL, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Sound | $3,919Fees | 1.137%Above | 30 | |
35 | The Federal Savings BankBank | Sound | Mediocre | Exceptional | Sound | Sound | $7,155Fees | 0.591%Below | 13 |
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.