Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | DSLD MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Exceptional | Exceptional | Exceptional | $133Fees | 0.529%Below | 180 | |
2 | REDSTONE Federal Credit UnionCredit Union | Exceptional | Strong | Strong | Exceptional | $1,257Fees | 0.181%Above | 400 | |
3 | Heritage Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Strong | Exceptional | $2,544Fees | 0.148%Below | 304 | |
4 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Sound | Strong | $1,176Fees | 0.471%Below | 125 | |
5 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $2,703Fees | 0.033%Below | 682 | |
6 | FirstBankBank | Strong | Sound | Exceptional | Exceptional | $2,145Fees | 0.016%Above | 386 | |
7 | Trustmark National BankBank | Strong | Sound | Exceptional | Exceptional | $1,504Fees | 0.091%Above | 287 | |
8 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $3,179Fees | 0.291%Below | 208 | |
9 | FIRST COLONY MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $3,642Fees | 0.031%Above | 190 | |
10 | Pinnacle BankBank | Strong | Strong | Strong | Strong | $3,650Fees | 0.054%Below | 81 | |
11 | FBC MORTGAGE, LLCIndependent Mortgage Company | Strong | Strong | Exceptional | Sound | $771Fees | 0.771%Below | 43 | |
12 | NBKC BANKBank | Strong | Exceptional | Sound | Sound | $328Fees | 0.212%Below | 24 | |
13 | Regions BankBank | Strong | Sound | Strong | Exceptional | $2,529Fees | 0.202%Above | 194 | |
14 | GMFS LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | $2,716Fees | 0.003%Below | 161 | |
15 | Wells Fargo Bank, National AssociationBank | Strong | Strong | Sound | Strong | $2,349Fees | 0.024%Below | 71 | |
16 | Colorado Federal Savings BankBank | Strong | Strong | Sound | Strong | $1,642Fees | 0.059%Below | 64 | |
17 | ServisFirst BankBank | Strong | Sound | Exceptional | Strong | $2,636Fees | 0.028%Above | 56 | |
18 | Bank IndependentBank | Strong | Sound | Exceptional | Strong | $3,184Fees | 0.206%Above | 51 | |
19 | LENDLO MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | $2,253Fees | 0.066%Above | 48 | |
20 | PNC Bank, National AssociationBank | Strong | Strong | Strong | Sound | $598Fees | 0.146%Above | 38 | |
21 | U.S. Bank National AssociationBank | Strong | Strong | Strong | Sound | $542Fees | 0.027%Below | 26 | |
22 | Truist BankBank | Strong | Strong | Strong | Sound | $625Fees | 0.079%Above | 22 | |
23 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $4,258Fees | 0.300%Above | 585 | |
24 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Strong | $3,455Fees | 0.192%Below | 212 | |
25 | SouthState Bank, National AssociationBank | Strong | Sound | Strong | Strong | $2,050Fees | 0.060%Above | 133 | |
26 | Synovus BankBank | Strong | Sound | Strong | Strong | $2,513Fees | 0.037%Above | 109 | |
27 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $2,486Fees | 0.250%Below | 88 | |
28 | AVADIANCredit Union | Strong | Sound | Strong | Strong | $2,788Fees | 0.083%Above | 83 | |
29 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $4,097Fees | 0.245%Above | 78 | |
30 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Strong | $2,501Fees | 0.376%Above | 54 | |
31 | Cadence BankBank | Strong | Sound | Strong | Strong | $1,620Fees | 0.058%Above | 49 | |
32 | MORTGAGE INVESTORS GROUP, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Sound | $2,855Fees | 0.121%Above | 23 | |
33 | CANOPY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $5,094Fees | 0.162%Above | 272 | |
34 | STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $3,416Fees | 0.116%Above | 208 | |
35 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,596Fees | 0.175%Above | 152 | |
36 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,823Fees | 0.055%Above | 94 | |
37 | Renasant BankBank | Strong | Acceptable | Exceptional | Strong | $2,664Fees | 0.077%Above | 90 | |
38 | USAA Federal Savings BankBank | Strong | Sound | Sound | Strong | $1,926Fees | 0.214%Below | 81 | |
39 | PLANET HOME LENDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,678Fees | 0.192%Above | 72 | |
40 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,197Fees | 0.319%Above | 69 | |
41 | Assurance Financial Group, L.L.C.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $4,091Fees | 0.269%Above | 68 | |
42 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $4,336Fees | 0.218%Above | 66 | |
43 | First Horizon BankBank | Strong | Sound | Strong | Sound | $3,212Fees | 0.107%Above | 39 | |
44 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Sound | Strong | Sound | $2,644Fees | 0.058%Below | 23 | |
45 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Strong | Sound | Strong | Sound | $857Fees | 0.630%Above | 23 | |
46 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $427Fees | 1.032%Above | 207 | |
47 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,721Fees | 0.480%Above | 80 | |
48 | AMERICAN PORTFOLIO MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,582Fees | 0.252%Above | 76 | |
49 | Hamilton Mortgage CorporationIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,250Fees | 0.179%Above | 62 | |
50 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,446Fees | 0.216%Above | 53 |
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.