Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | FCB BanksBank | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $715Fees | 0.092%Below | 566 | |
2 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,855Fees | 0.413%Above | 7,352 | |
3 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,378Fees | 0.587%Above | 2,081 | |
4 | NEWREZ LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,239Fees | 0.629%Above | 1,112 | |
5 | FIRST STATE MORTGAGE SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,493Fees | 0.362%Above | 1,052 | |
6 | United Community BankBank | Exceptional | Exceptional | Strong | Sound | Exceptional | $121Fees | 0.128%Above | 649 | |
7 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Sound | Exceptional | $460Fees | 0.254%Above | 2,055 | |
8 | First Mid Bank & Trust, National AssociationBank | Exceptional | Strong | Strong | Strong | Exceptional | $872Fees | 0.176%Above | 741 | |
9 | COMMUNITY BANC MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,042Fees | 0.368%Above | 261 | |
10 | FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,201Fees | 0.447%Above | 1,599 | |
11 | Heartland Bank and Trust CompanyBank | Exceptional | Strong | Strong | Sound | Exceptional | $573Fees | 0.471%Above | 371 | |
12 | Peoples National Bank , N.A.Bank | Exceptional | Strong | Strong | Strong | Strong | $864Fees | 0.302%Above | 283 | |
13 | Carrollton BankBank | Strong | Strong | — | Strong | Strong | $776Fees | 0.080%Above | 365 | |
14 | Petefish, Skiles & Co.Bank | Strong | Strong | Strong | Sound | Strong | $1,050Fees | 0.269%Above | 252 | |
15 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,009Fees | 0.369%Above | 7,686 | |
16 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Sound | Strong | $2,249Fees | 0.530%Above | 704 | |
17 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Exceptional | $2,865Fees | 0.657%Above | 2,802 | |
18 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,004Fees | 0.555%Above | 477 | |
19 | LEADERONE FINANCIAL CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,362Fees | 0.706%Above | 447 | |
20 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,039Fees | 0.917%Above | 253 | |
21 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $2,820Fees | 0.594%Above | 4,482 | |
22 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $2,737Fees | 0.680%Above | 3,156 | |
23 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $1,989Fees | 0.723%Above | 2,381 | |
24 | Midland States BankBank | Strong | Acceptable | Strong | Sound | Exceptional | $1,376Fees | 0.696%Above | 426 | |
25 | Regions BankBank | Strong | Acceptable | Exceptional | Sound | Strong | $1,214Fees | 0.586%Above | 345 | |
26 | Ixonia BankBank | Strong | Mediocre | Exceptional | Strong | Strong | $3,434Fees | 0.807%Above | 536 | |
27 | DAS Acquisition Company, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $1,615Fees | 0.649%Above | 300 | |
28 | COMPASS MORTGAGE, INC.Independent Mortgage Company | Sound | Acceptable | Sound | Acceptable | Exceptional | $2,500Fees | 0.580%Above | 904 | |
29 | DELMAR FINANCIAL COMPANYIndependent Mortgage Company | Sound | Acceptable | Sound | Acceptable | Exceptional | $1,519Fees | 0.434%Above | 597 |
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.