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 | Exceptional | Exceptional | $100Fees | 0.234%Below | 1,884 | |
2 | Origin BankBank | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $1,166Fees | 0.217%Above | 387 | |
3 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,776Fees | 0.322%Above | 2,971 | |
4 | First Horizon BankBank | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,906Fees | 0.143%Above | 622 | |
5 | Red River BankBank | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,037Fees | 0.088%Below | 583 | |
6 | GMFS LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,759Fees | 0.282%Above | 3,086 | |
7 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $482Fees | 0.428%Below | 380 | |
8 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,451Fees | 0.415%Above | 986 | |
9 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Exceptional | $2,031Fees | 0.282%Above | 897 | |
10 | HANCOCK WHITNEY BANKBank | Exceptional | Strong | Strong | Strong | Exceptional | $1,895Fees | 0.132%Above | 799 | |
11 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,077Fees | 0.194%Above | 689 | |
12 | STANDARD MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Strong | Strong | Exceptional | $1,752Fees | 0.007%Above | 361 | |
13 | Eagle Bank and Trust CompanyBank | Exceptional | Strong | Strong | Exceptional | Strong | $1,873Fees | 0.435%Above | 278 | |
14 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,288Fees | 0.037%Below | 224 | |
15 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,921Fees | 0.388%Above | 120 | |
16 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,407Fees | 0.374%Above | 234 | |
17 | USAA Federal Savings BankBank | Exceptional | Strong | Exceptional | Sound | Strong | $1,651Fees | 0.146%Below | 173 | |
18 | TOWNE MORTGAGE COMPANYIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,496Fees | 0.454%Above | 172 | |
19 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,041Fees | 0.625%Above | 136 | |
20 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,811Fees | 0.450%Above | 112 | |
21 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $2,257Fees | 0.755%Above | 86 | |
22 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,809Fees | 0.450%Above | 2,161 | |
23 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,784Fees | 0.442%Above | 561 | |
24 | PLANET HOME LENDING, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,111Fees | 0.521%Above | 279 | |
25 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $2,275Fees | 0.451%Above | 263 | |
26 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,352Fees | 0.511%Above | 249 | |
27 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,461Fees | 0.343%Above | 104 | |
28 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,700Fees | 0.487%Above | 321 | |
29 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,873Fees | 0.683%Above | 275 | |
30 | LOANSTEADY LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $2,999Fees | 0.403%Above | 144 | |
31 | Wells Fargo Bank, National AssociationBank | Strong | Sound | Exceptional | Sound | Strong | $2,066Fees | 0.066%Above | 134 | |
32 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,551Fees | 0.449%Above | 127 | |
33 | SUN WEST MORTGAGE COMPANY, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $3,250Fees | 0.458%Above | 84 | |
34 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,701Fees | 0.467%Above | 81 | |
35 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,741Fees | 0.966%Above | 70 | |
36 | FIDELITY BANKBank | Strong | Acceptable | Strong | Strong | Exceptional | $3,098Fees | 0.399%Above | 1,167 | |
37 | Assurance Financial Group, L.L.C.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $2,593Fees | 0.510%Above | 950 | |
38 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,413Fees | 0.489%Above | 787 | |
39 | Gulf Coast Bank and Trust CompanyBank | Strong | Acceptable | Strong | Strong | Exceptional | $1,938Fees | 0.303%Above | 779 | |
40 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,301Fees | 0.586%Above | 499 | |
41 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,698Fees | 0.570%Above | 365 | |
42 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,839Fees | 0.606%Above | 302 | |
43 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,143Fees | 0.265%Above | 266 | |
44 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,257Fees | 0.394%Above | 221 | |
45 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,566Fees | 0.405%Above | 155 | |
46 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $2,395Fees | 0.818%Above | 377 | |
47 | SOUTHWEST FUNDING, LPIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $4,047Fees | 0.987%Above | 156 | |
48 | MORTGAGE SOLUTIONS OF COLORADO, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,395Fees | 0.604%Above | 73 | |
49 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $4,138Fees | 0.508%Above | 86 | |
50 | Synergy One Lending, Inc.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Sound | $2,242Fees | 0.384%Above | 82 |
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.