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 | $133Fees | 0.529%Below | 180 | |
2 | LENDLO MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Exceptional | Exceptional | Exceptional | Strong | $2,253Fees | 0.066%Above | 48 | |
3 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,703Fees | 0.033%Below | 682 | |
4 | Heritage Mortgage, LLCIndependent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Exceptional | $2,544Fees | 0.148%Below | 304 | |
5 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $3,179Fees | 0.291%Below | 208 | |
6 | FIRST COLONY MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $3,642Fees | 0.031%Above | 190 | |
7 | FBC MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Exceptional | Exceptional | Exceptional | Sound | $771Fees | 0.771%Below | 43 | |
8 | FirstBankBank | Exceptional | Strong | Strong | Exceptional | Exceptional | $2,145Fees | 0.016%Above | 386 | |
9 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,176Fees | 0.471%Below | 125 | |
10 | NBKC BANKBank | Exceptional | Exceptional | Exceptional | Strong | Sound | $328Fees | 0.212%Below | 24 | |
11 | Trustmark National BankBank | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,504Fees | 0.091%Above | 287 | |
12 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $3,455Fees | 0.192%Below | 212 | |
13 | GMFS LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,716Fees | 0.003%Below | 161 | |
14 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,486Fees | 0.250%Below | 88 | |
15 | REDSTONE Federal Credit UnionCredit Union | Exceptional | Strong | Strong | Sound | Exceptional | $1,257Fees | 0.181%Above | 400 | |
16 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,596Fees | 0.175%Above | 152 | |
17 | SouthState Bank, National AssociationBank | Exceptional | Strong | Strong | Strong | Strong | $2,050Fees | 0.060%Above | 133 | |
18 | Synovus BankBank | Exceptional | Strong | Strong | Strong | Strong | $2,513Fees | 0.037%Above | 109 | |
19 | Renasant BankBank | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,664Fees | 0.077%Above | 90 | |
20 | USAA Federal Savings BankBank | Exceptional | Strong | Exceptional | Sound | Strong | $1,926Fees | 0.214%Below | 81 | |
21 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Sound | $542Fees | 0.027%Below | 26 | |
22 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $2,644Fees | 0.058%Below | 23 | |
23 | KIND LENDING, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $3,192Fees | 0.080%Above | 21 | |
24 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,258Fees | 0.300%Above | 585 | |
25 | AVADIANCredit Union | Strong | Sound | Strong | Exceptional | Strong | $2,788Fees | 0.083%Above | 83 | |
26 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $4,097Fees | 0.245%Above | 78 | |
27 | PLANET HOME LENDING, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,678Fees | 0.192%Above | 72 | |
28 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,446Fees | 0.216%Above | 53 | |
29 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Exceptional | Sound | $2,097Fees | 0.108%Above | 47 | |
30 | STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,416Fees | 0.116%Above | 208 | |
31 | Regions BankBank | Strong | Sound | Strong | Sound | Exceptional | $2,529Fees | 0.202%Above | 194 | |
32 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,823Fees | 0.055%Above | 94 | |
33 | Wells Fargo Bank, National AssociationBank | Strong | Sound | Exceptional | Sound | Strong | $2,349Fees | 0.024%Below | 71 | |
34 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,197Fees | 0.319%Above | 69 | |
35 | Cadence BankBank | Strong | Sound | Strong | Strong | Strong | $1,620Fees | 0.058%Above | 49 | |
36 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $3,395Fees | 0.142%Above | 38 | |
37 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $427Fees | 1.032%Above | 207 | |
38 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,721Fees | 0.480%Above | 80 | |
39 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,336Fees | 0.218%Above | 66 | |
40 | CANOPY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $5,094Fees | 0.162%Above | 272 | |
41 | AMERICAN PORTFOLIO MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $3,582Fees | 0.252%Above | 76 | |
42 | Assurance Financial Group, L.L.C.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $4,091Fees | 0.269%Above | 68 | |
43 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,664Fees | 0.247%Above | 41 | |
44 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,917Fees | 0.243%Above | 36 | |
45 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $4,012Fees | 0.410%Above | 28 | |
46 | Synergy One Lending, Inc.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Sound | $3,877Fees | 0.111%Below | 25 | |
47 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $3,355Fees | 0.220%Above | 25 | |
48 | HOMEOWNERS FINANCIAL GROUP USA, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Sound | $5,077Fees | 0.156%Above | 24 | |
49 | VICTORIAN FINANCE, LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $3,620Fees | 0.582%Above | 48 | |
50 | CB&S Bank, Inc.Bank | Sound | Acceptable | Sound | Sound | Strong | $2,297Fees | 0.184%Above | 37 |
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.