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 | Strong | Exceptional | $100Fees | 0.234%Below | 1,884 | |
2 | Red River BankBank | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,037Fees | 0.088%Below | 583 | |
3 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $482Fees | 0.428%Below | 380 | |
4 | GMFS LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,759Fees | 0.282%Above | 3,086 | |
5 | HANCOCK WHITNEY BANKBank | Exceptional | Strong | Strong | Strong | Exceptional | $1,895Fees | 0.132%Above | 799 | |
6 | STANDARD MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Strong | Strong | Exceptional | $1,752Fees | 0.007%Above | 361 | |
7 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,031Fees | 0.282%Above | 897 | |
8 | First Horizon BankBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,906Fees | 0.143%Above | 622 | |
9 | Wells Fargo Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $2,066Fees | 0.066%Above | 134 | |
10 | Home Federal BankBank | Exceptional | Strong | Sound | Exceptional | Strong | $1,003Fees | 0.183%Above | 103 | |
11 | CREDIT HUMAN FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Sound | Sound | Strong | $1,433Fees | 0.168%Above | 99 | |
12 | BankPlusBank | Exceptional | Strong | Strong | Strong | Strong | $1,144Fees | 0.114%Above | 75 | |
13 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,776Fees | 0.322%Above | 2,971 | |
14 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,809Fees | 0.450%Above | 2,161 | |
15 | Gulf Coast Bank and Trust CompanyBank | Strong | Sound | Strong | Strong | Exceptional | $1,938Fees | 0.303%Above | 779 | |
16 | Origin BankBank | Strong | Sound | Strong | Strong | Exceptional | $1,166Fees | 0.217%Above | 387 | |
17 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,352Fees | 0.511%Above | 249 | |
18 | Cadence BankBank | Strong | Sound | Exceptional | Strong | Strong | $1,830Fees | 0.389%Above | 235 | |
19 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,407Fees | 0.374%Above | 234 | |
20 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Strong | Strong | Sound | Strong | $2,461Fees | 0.343%Above | 104 | |
21 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,451Fees | 0.415%Above | 986 | |
22 | Eagle Bank and Trust CompanyBank | Strong | Sound | Strong | Strong | Strong | $1,873Fees | 0.435%Above | 278 | |
23 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $1,288Fees | 0.037%Below | 224 | |
24 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,741Fees | 0.966%Above | 70 | |
25 | FIDELITY BANKBank | Strong | Acceptable | Strong | Strong | Exceptional | $3,098Fees | 0.399%Above | 1,167 | |
26 | Assurance Financial Group, L.L.C.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $2,593Fees | 0.510%Above | 950 | |
27 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $2,077Fees | 0.194%Above | 689 | |
28 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,301Fees | 0.586%Above | 499 | |
29 | Regions BankBank | Strong | Acceptable | Exceptional | Strong | Strong | $2,104Fees | 0.386%Above | 415 | |
30 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,698Fees | 0.570%Above | 365 | |
31 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,700Fees | 0.487%Above | 321 | |
32 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,839Fees | 0.606%Above | 302 | |
33 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,873Fees | 0.683%Above | 275 | |
34 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,143Fees | 0.265%Above | 266 | |
35 | Flagstar Bank, N.A.Bank | Strong | Acceptable | Exceptional | Strong | Strong | $2,275Fees | 0.451%Above | 263 | |
36 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,257Fees | 0.394%Above | 221 | |
37 | TOWNE MORTGAGE COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,496Fees | 0.454%Above | 172 | |
38 | PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,150Fees | 0.712%Above | 166 | |
39 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,566Fees | 0.405%Above | 155 | |
40 | LOANSTEADY LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $2,999Fees | 0.403%Above | 144 | |
41 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,041Fees | 0.625%Above | 136 | |
42 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,551Fees | 0.449%Above | 127 | |
43 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,921Fees | 0.388%Above | 120 | |
44 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,811Fees | 0.450%Above | 112 | |
45 | NEWREZ LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $1,784Fees | 0.442%Above | 561 | |
46 | PLANET HOME LENDING, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $2,111Fees | 0.521%Above | 279 | |
47 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $2,572Fees | 0.602%Above | 226 | |
48 | MORTGAGE FINANCIAL SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $1,520Fees | 0.340%Above | 88 | |
49 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,257Fees | 0.755%Above | 86 | |
50 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,701Fees | 0.467%Above | 81 |
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.