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 | $100Fees | 0.234%Below | 1,884 | |
2 | Red River BankBank | Exceptional | Exceptional | Strong | Exceptional | $1,037Fees | 0.088%Below | 583 | |
3 | HANCOCK WHITNEY BANKBank | Exceptional | Strong | Strong | Exceptional | $1,895Fees | 0.132%Above | 799 | |
4 | Origin BankBank | Exceptional | Strong | Strong | Exceptional | $1,166Fees | 0.217%Above | 387 | |
5 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Sound | Strong | $482Fees | 0.428%Below | 380 | |
6 | CREDIT HUMAN FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Sound | Strong | $1,433Fees | 0.168%Above | 99 | |
7 | GMFS LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $1,759Fees | 0.282%Above | 3,086 | |
8 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $2,776Fees | 0.322%Above | 2,971 | |
9 | STANDARD MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Strong | Sound | Exceptional | $1,752Fees | 0.007%Above | 361 | |
10 | America's Mortgage Resource, Inc.Independent Mortgage Company | Strong | Strong | Strong | Strong | $1,972Fees | 0.207%Above | 129 | |
11 | BankPlusBank | Strong | Strong | Strong | Strong | $1,144Fees | 0.114%Above | 75 | |
12 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Exceptional | $2,031Fees | 0.282%Above | 897 | |
13 | Gulf Coast Bank and Trust CompanyBank | Strong | Sound | Strong | Exceptional | $1,938Fees | 0.303%Above | 779 | |
14 | First Horizon BankBank | Strong | Sound | Strong | Exceptional | $1,906Fees | 0.143%Above | 622 | |
15 | Eagle Bank and Trust CompanyBank | Strong | Sound | Exceptional | Strong | $1,873Fees | 0.435%Above | 278 | |
16 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | $1,407Fees | 0.374%Above | 234 | |
17 | Wells Fargo Bank, National AssociationBank | Strong | Strong | Sound | Strong | $2,066Fees | 0.066%Above | 134 | |
18 | Home Federal BankBank | Strong | Strong | Sound | Strong | $1,003Fees | 0.183%Above | 103 | |
19 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,809Fees | 0.450%Above | 2,161 | |
20 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $2,451Fees | 0.415%Above | 986 | |
21 | Assurance Financial Group, L.L.C.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $2,593Fees | 0.510%Above | 950 | |
22 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Strong | $2,077Fees | 0.194%Above | 689 | |
23 | Regions BankBank | Strong | Sound | Strong | Strong | $2,104Fees | 0.386%Above | 415 | |
24 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $3,352Fees | 0.511%Above | 249 | |
25 | Cadence BankBank | Strong | Sound | Strong | Strong | $1,830Fees | 0.389%Above | 235 | |
26 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $1,288Fees | 0.037%Below | 224 | |
27 | LOANSTEADY LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $2,999Fees | 0.403%Above | 144 | |
28 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | $1,921Fees | 0.388%Above | 120 | |
29 | FIDELITY BANKBank | Strong | Acceptable | Strong | Exceptional | $3,098Fees | 0.399%Above | 1,167 | |
30 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $1,700Fees | 0.487%Above | 321 | |
31 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,839Fees | 0.606%Above | 302 | |
32 | PLANET HOME LENDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,111Fees | 0.521%Above | 279 | |
33 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,873Fees | 0.683%Above | 275 | |
34 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,143Fees | 0.265%Above | 266 | |
35 | USAA Federal Savings BankBank | Strong | Sound | Sound | Strong | $1,651Fees | 0.146%Below | 173 | |
36 | THE MORTGAGE FIRM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,427Fees | 0.567%Above | 165 | |
37 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,566Fees | 0.405%Above | 155 | |
38 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,041Fees | 0.625%Above | 136 | |
39 | Home Bank, National AssociationBank | Strong | Sound | Sound | Strong | $1,209Fees | 0.195%Above | 128 | |
40 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,551Fees | 0.449%Above | 127 | |
41 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,811Fees | 0.450%Above | 112 | |
42 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Sound | Strong | $2,461Fees | 0.343%Above | 104 | |
43 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $1,413Fees | 0.489%Above | 787 | |
44 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,301Fees | 0.586%Above | 499 | |
45 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,395Fees | 0.818%Above | 377 | |
46 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,698Fees | 0.570%Above | 365 | |
47 | Flagstar Bank, N.A.Bank | Strong | Acceptable | Strong | Strong | $2,275Fees | 0.451%Above | 263 | |
48 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,257Fees | 0.394%Above | 221 | |
49 | TOWNE MORTGAGE COMPANYIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,496Fees | 0.454%Above | 172 | |
50 | RESIDENTIAL ACCEPTANCE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $5,639Fees | 0.223%Above | 141 |
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.