Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | GMFS LLCIndependent Mortgage Company | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $1,759Fees | 0.282%Above | 3,086 | |
2 | DSLD MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $100Fees | 0.234%Below | 1,884 | |
3 | Red River BankBank | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,037Fees | 0.088%Below | 583 | |
4 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,776Fees | 0.322%Above | 2,971 | |
5 | HANCOCK WHITNEY BANKBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,895Fees | 0.132%Above | 799 | |
6 | NEWREZ LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,784Fees | 0.442%Above | 561 | |
7 | Origin BankBank | Exceptional | Strong | Strong | Strong | Exceptional | $1,166Fees | 0.217%Above | 387 | |
8 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,839Fees | 0.606%Above | 302 | |
9 | Eagle Bank and Trust CompanyBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,873Fees | 0.435%Above | 278 | |
10 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,407Fees | 0.374%Above | 234 | |
11 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,700Fees | 0.487%Above | 321 | |
12 | Gulf Coast Bank and Trust CompanyBank | Strong | Sound | Strong | Strong | Exceptional | $1,938Fees | 0.303%Above | 779 | |
13 | First Horizon BankBank | Strong | Sound | Strong | Strong | Exceptional | $1,906Fees | 0.143%Above | 622 | |
14 | STANDARD MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Strong | — | Sound | Exceptional | $1,752Fees | 0.007%Above | 361 | |
15 | PLANET HOME LENDING, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,111Fees | 0.521%Above | 279 | |
16 | TOWNE MORTGAGE COMPANYIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,496Fees | 0.454%Above | 172 | |
17 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,041Fees | 0.625%Above | 136 | |
18 | FIDELITY BANKBank | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,098Fees | 0.399%Above | 1,167 | |
19 | Assurance Financial Group, L.L.C.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,593Fees | 0.510%Above | 950 | |
20 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Sound | Strong | $2,275Fees | 0.451%Above | 263 | |
21 | RESIDENTIAL ACCEPTANCE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $5,639Fees | 0.223%Above | 141 | |
22 | MORTGAGE FINANCIAL SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $1,520Fees | 0.340%Above | 88 | |
23 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,257Fees | 0.755%Above | 86 | |
24 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,701Fees | 0.467%Above | 81 | |
25 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,395Fees | 0.818%Above | 377 | |
26 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,698Fees | 0.570%Above | 365 | |
27 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,566Fees | 0.405%Above | 155 | |
28 | LOANSTEADY LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | Strong | $2,999Fees | 0.403%Above | 144 | |
29 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,551Fees | 0.449%Above | 127 | |
30 | GENEVA FINANCIAL, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,207Fees | 0.760%Above | 73 | |
31 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $2,451Fees | 0.415%Above | 986 | |
32 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $1,413Fees | 0.489%Above | 787 | |
33 | Sabine State Bank and Trust CompanyBank | Strong | Acceptable | Strong | Strong | Strong | $2,324Fees | 0.573%Above | 72 | |
34 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,301Fees | 0.586%Above | 499 | |
35 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $2,873Fees | 0.683%Above | 275 | |
36 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $2,143Fees | 0.265%Above | 266 | |
37 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $2,572Fees | 0.602%Above | 226 | |
38 | PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,150Fees | 0.712%Above | 166 | |
39 | AMERICAN FINANCIAL RESOURCES, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $2,709Fees | 0.873%Above | 131 | |
40 | Click n' Close, Inc.Independent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $6,153Fees | 1.841%Above | 235 | |
41 | THE MORTGAGE FIRM, INC.Independent Mortgage Company | Sound | Acceptable | Sound | Sound | Strong | $2,427Fees | 0.567%Above | 165 | |
42 | SOUTHWEST FUNDING, LPIndependent Mortgage Company | Sound | Mediocre | Strong | Sound | Strong | $4,047Fees | 0.987%Above | 156 |
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.