Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | LibertyCredit Union | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $1,087Fees | 0.376%Above | 1,083 | |
2 | GoPrime Mortgage, Inc.Independent Mortgage Company | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,521Fees | 0.509%Above | 95 | |
3 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,197Fees | 0.428%Above | 3,600 | |
4 | VICTORY MORTGAGE, L.L.C.Independent Mortgage Company | Exceptional | Exceptional | — | Strong | Exceptional | $897Fees | 0.033%Above | 782 | |
5 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,775Fees | 0.513%Above | 746 | |
6 | Fifth Third Bank, National AssociationBank | Exceptional | Exceptional | Strong | Sound | Exceptional | $904Fees | 0.353%Above | 740 | |
7 | RUOFF MORTGAGE COMPANY, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,939Fees | 0.361%Above | 685 | |
8 | Truist BankBank | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,079Credit | 0.293%Above | 397 | |
9 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Sound | Exceptional | $985Fees | 0.356%Above | 1,087 | |
10 | SOUTH CENTRAL BANK, INC.Bank | Exceptional | Strong | Strong | Strong | Exceptional | $1,173Fees | 0.186%Above | 455 | |
11 | NEWREZ LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,298Fees | 0.410%Above | 215 | |
12 | GERSHMAN INVESTMENT CORP.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,025Fees | 0.451%Above | 177 | |
13 | Magnolia Bank, IncorporatedBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,615Fees | 0.307%Above | 671 | |
14 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,920Fees | 0.395%Above | 206 | |
15 | Peoples Exchange BankBank | Exceptional | Exceptional | — | Sound | Strong | $734Fees | 0.036%Above | 165 | |
16 | INTERLINC MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,509Fees | 0.596%Above | 328 | |
17 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,773Fees | 0.539%Above | 274 | |
18 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,351Fees | 0.521%Above | 223 | |
19 | German American BankBank | Strong | Strong | Strong | Sound | Strong | $1,010Fees | 0.307%Above | 204 | |
20 | Renasant BankBank | Strong | Sound | Exceptional | Strong | Strong | $2,138Fees | 0.146%Above | 129 | |
21 | STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,888Fees | 0.437%Above | 2,284 | |
22 | Guardian Savings BankBank | Strong | Sound | — | Strong | Exceptional | $1,190Fees | 0.159%Above | 756 | |
23 | GENEVA FINANCIAL, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,955Fees | 0.269%Above | 308 | |
24 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Exceptional | $1,949Fees | 0.626%Above | 1,311 | |
25 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,791Fees | 0.246%Above | 428 | |
26 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,104Fees | 0.390%Above | 357 | |
27 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,778Fees | 0.360%Above | 294 | |
28 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,402Fees | 0.841%Above | 248 | |
29 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,278Fees | 0.670%Above | 709 | |
30 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $2,204Fees | 0.498%Above | 612 | |
31 | Bank of EnglandBank | Strong | Acceptable | Exceptional | Sound | Strong | $3,142Fees | 0.499%Above | 328 | |
32 | REPUBLIC STATE MORTGAGE CO.Independent Mortgage Company | Strong | Sound | Sound | Sound | Strong | $2,957Fees | 0.470%Above | 246 | |
33 | BAYSHORE MORTGAGE FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $3,590Fees | 0.749%Above | 109 | |
34 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $2,776Fees | 0.551%Above | 604 | |
35 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $2,800Fees | 0.634%Above | 492 | |
36 | ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,366Fees | 0.493%Above | 463 | |
37 | EVERETT FINANCIAL, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,684Fees | 0.802%Above | 266 | |
38 | AMERICAN FINANCIAL RESOURCES, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $2,525Fees | 0.619%Above | 191 | |
39 | Ixonia BankBank | Strong | Mediocre | Exceptional | Strong | Strong | $2,848Fees | 0.707%Above | 146 | |
40 | DAS Acquisition Company, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $2,827Fees | 0.577%Above | 136 | |
41 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,233Fees | 0.618%Above | 131 | |
42 | SUCCESS MORTGAGE PARTNERS, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,554Fees | 0.539%Above | 131 | |
43 | POLARIS HOME FUNDING CORP.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,986Fees | 0.705%Above | 110 | |
44 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,391Fees | 0.691%Above | 103 | |
45 | PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,743Fees | 0.664%Above | 95 | |
46 | Edmonton State BankBank | Sound | Mediocre | Strong | Sound | Exceptional | $1,983Fees | 0.718%Above | 222 | |
47 | Forcht Bank, National AssociationBank | Sound | Acceptable | — | Sound | Strong | $929Fees | 0.319%Above | 154 | |
48 | Click n' Close, Inc.Independent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $3,872Fees | 1.730%Above | 100 |
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.