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 | GMFS LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,759Fees | 0.282%Above | 3,086 | |
4 | STANDARD MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Exceptional | Strong | Sound | Exceptional | $1,752Fees | 0.007%Above | 361 | |
5 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,776Fees | 0.322%Above | 2,971 | |
6 | HANCOCK WHITNEY BANKBank | Exceptional | Strong | Strong | Strong | Exceptional | $1,895Fees | 0.132%Above | 799 | |
7 | Gulf Coast Bank and Trust CompanyBank | Exceptional | Strong | Strong | Strong | Exceptional | $1,938Fees | 0.303%Above | 779 | |
8 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,077Fees | 0.194%Above | 689 | |
9 | First Horizon BankBank | Exceptional | Strong | Strong | Strong | Exceptional | $1,906Fees | 0.143%Above | 622 | |
10 | Origin BankBank | Exceptional | Strong | Strong | Strong | Exceptional | $1,166Fees | 0.217%Above | 387 | |
11 | Cadence BankBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,830Fees | 0.389%Above | 235 | |
12 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,407Fees | 0.374%Above | 234 | |
13 | America's Mortgage Resource, Inc.Independent Mortgage Company | Exceptional | Strong | Strong | Exceptional | Strong | $1,972Fees | 0.207%Above | 129 | |
14 | BankPlusBank | Exceptional | Exceptional | Strong | Sound | Strong | $1,144Fees | 0.114%Above | 75 | |
15 | FIDELITY BANKBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,098Fees | 0.399%Above | 1,167 | |
16 | Eagle Bank and Trust CompanyBank | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,873Fees | 0.435%Above | 278 | |
17 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $1,288Fees | 0.037%Below | 224 | |
18 | TOWNE MORTGAGE COMPANYIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,496Fees | 0.454%Above | 172 | |
19 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,809Fees | 0.450%Above | 2,161 | |
20 | Assurance Financial Group, L.L.C.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,593Fees | 0.510%Above | 950 | |
21 | PLANET HOME LENDING, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,111Fees | 0.521%Above | 279 | |
22 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $2,275Fees | 0.451%Above | 263 | |
23 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,352Fees | 0.511%Above | 249 | |
24 | RESIDENTIAL ACCEPTANCE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | Strong | $5,639Fees | 0.223%Above | 141 | |
25 | MORTGAGE FINANCIAL SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,520Fees | 0.340%Above | 88 | |
26 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,451Fees | 0.415%Above | 986 | |
27 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Sound | Exceptional | $2,031Fees | 0.282%Above | 897 | |
28 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $1,784Fees | 0.442%Above | 561 | |
29 | Regions BankBank | Strong | Sound | Exceptional | Sound | Strong | $2,104Fees | 0.386%Above | 415 | |
30 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,700Fees | 0.487%Above | 321 | |
31 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,873Fees | 0.683%Above | 275 | |
32 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,143Fees | 0.265%Above | 266 | |
33 | THE MORTGAGE FIRM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,427Fees | 0.567%Above | 165 | |
34 | LOANSTEADY LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $2,999Fees | 0.403%Above | 144 | |
35 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,551Fees | 0.449%Above | 127 | |
36 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,811Fees | 0.450%Above | 112 | |
37 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,395Fees | 0.818%Above | 377 | |
38 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,698Fees | 0.570%Above | 365 | |
39 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,839Fees | 0.606%Above | 302 | |
40 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,566Fees | 0.405%Above | 155 | |
41 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,041Fees | 0.625%Above | 136 | |
42 | Wells Fargo Bank, National AssociationBank | Strong | Sound | Strong | Sound | Strong | $2,066Fees | 0.066%Above | 134 | |
43 | AMERICAN FINANCIAL RESOURCES, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,709Fees | 0.873%Above | 131 | |
44 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,921Fees | 0.388%Above | 120 | |
45 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $1,413Fees | 0.489%Above | 787 | |
46 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $2,461Fees | 0.343%Above | 104 | |
47 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,257Fees | 0.755%Above | 86 | |
48 | SUN WEST MORTGAGE COMPANY, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,250Fees | 0.458%Above | 84 | |
49 | Synergy One Lending, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,242Fees | 0.384%Above | 82 | |
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.