Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | VICTORY MORTGAGE, L.L.C.Independent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,554Fees | 0.281%Above | 300 | |
2 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,052Fees | 0.307%Above | 454 | |
3 | Republic Bank & Trust CompanyBank | Exceptional | Exceptional | Strong | Sound | Exceptional | $1,142Fees | 0.208%Above | 370 | |
4 | INTERLINC MORTGAGE SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,539Fees | 0.618%Above | 355 | |
5 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,085Fees | 0.562%Above | 2,139 | |
6 | Fifth Third Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Exceptional | $1,337Fees | 0.263%Above | 290 | |
7 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,244Fees | 0.417%Above | 214 | |
8 | LibertyCredit Union | Exceptional | Strong | Exceptional | Strong | Strong | $1,660Fees | 0.510%Above | 159 | |
9 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,645Fees | 0.439%Above | 119 | |
10 | Guardian Savings BankBank | Exceptional | Exceptional | Strong | Sound | Strong | $884Fees | 0.174%Above | 48 | |
11 | Northpointe BankBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,110Fees | 0.328%Above | 700 | |
12 | Stock Yards Bank & Trust CompanyBank | Exceptional | Strong | Strong | Sound | Exceptional | $946Fees | 0.160%Above | 566 | |
13 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $1,285Fees | 0.442%Above | 336 | |
14 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $4,121Fees | 0.131%Above | 199 | |
15 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $1,113Fees | 0.125%Above | 160 | |
16 | SOUTH CENTRAL BANK, INC.Bank | Exceptional | Strong | Strong | Strong | Strong | $1,136Fees | 0.056%Above | 59 | |
17 | WesBanco Bank, Inc.Bank | Exceptional | Strong | Strong | Strong | Strong | $1,888Fees | 0.140%Above | 57 | |
18 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,427Fees | 0.376%Above | 1,372 | |
19 | Magnolia Bank, IncorporatedBank | Strong | Sound | Strong | Strong | Exceptional | $1,851Fees | 0.309%Above | 487 | |
20 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,754Fees | 0.641%Above | 433 | |
21 | PNC Bank, National AssociationBank | Strong | Strong | Strong | Sound | Strong | $55Credit | 0.198%Above | 228 | |
22 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,844Fees | 0.542%Above | 202 | |
23 | First Harrison BankBank | Strong | Strong | Sound | Sound | Exceptional | $1,071Fees | 0.089%Above | 180 | |
24 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,442Fees | 0.302%Above | 163 | |
25 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $2,082Fees | 0.384%Above | 146 | |
26 | German American BankBank | Strong | Strong | Strong | Sound | Strong | $802Fees | 0.218%Above | 92 | |
27 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,578Fees | 0.300%Above | 83 | |
28 | Plains Commerce BankBank | Strong | Sound | Exceptional | Strong | Strong | $2,839Fees | 0.347%Above | 80 | |
29 | EMM LOANS LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,140Fees | 0.450%Above | 59 | |
30 | STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,640Fees | 0.473%Above | 438 | |
31 | First Financial BankBank | Strong | Sound | Strong | Sound | Exceptional | $1,715Fees | 0.365%Above | 406 | |
32 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Sound | Exceptional | $1,794Fees | 0.238%Above | 404 | |
33 | RUOFF MORTGAGE COMPANY, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,920Fees | 0.328%Above | 382 | |
34 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,700Fees | 0.434%Above | 143 | |
35 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $2,550Fees | 0.351%Above | 82 | |
36 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,753Fees | 0.512%Above | 62 | |
37 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,527Fees | 0.586%Above | 60 | |
38 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,553Fees | 0.358%Above | 193 | |
39 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,069Fees | 0.475%Above | 139 | |
40 | THE MORTGAGE WAREHOUSE,LLCIndependent Mortgage Company | Strong | Sound | Sound | Strong | Strong | $1,595Fees | 0.247%Above | 124 | |
41 | AMERICAN FINANCIAL RESOURCES, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,153Fees | 0.617%Above | 102 | |
42 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,931Fees | 0.448%Above | 99 | |
43 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,449Fees | 0.880%Above | 93 | |
44 | AMERIHOME MORTGAGE COMPANY, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $1,163Fees | 0.429%Above | 91 | |
45 | Traditional Bank, Inc.Bank | Strong | Sound | Sound | Strong | Strong | $1,017Fees | 0.218%Above | 68 | |
46 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $1,946Fees | 0.227%Above | 44 | |
47 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $2,687Fees | 0.689%Above | 251 | |
48 | ENVOY MORTGAGE, LTDIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $3,596Fees | 0.703%Above | 122 | |
49 | AMERISAVE MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $3,119Fees | 0.462%Above | 83 | |
50 | FAIR WAY LENDING LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $1,889Fees | 0.403%Above | 41 |
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.