Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | FBC MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Strong | $526Fees | 1.226%Below | 46 | |
2 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,830Fees | 0.165%Above | 144 | |
3 | GMFS LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,929Fees | 0.248%Above | 34 | |
4 | Cadence BankBank | Exceptional | Strong | Exceptional | Strong | Strong | $2,496Fees | 0.179%Above | 29 | |
5 | EMM LOANS LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,257Fees | 0.464%Above | 103 | |
6 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,224Fees | 0.538%Above | 92 | |
7 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $1,809Fees | 0.638%Above | 14 | |
8 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $2,668Fees | 0.308%Above | 11 | |
9 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,448Fees | 0.515%Above | 270 | |
10 | ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,266Fees | 0.534%Above | 85 | |
11 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $2,070Fees | 0.618%Above | 36 | |
12 | COLONY BANKBank | Strong | Sound | Strong | Exceptional | Strong | $2,868Fees | 0.312%Above | 34 | |
13 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Strong | Exceptional | Sound | Sound | $2,230Fees | 0.069%Above | 22 | |
14 | Ameris BankBank | Strong | Sound | Exceptional | Strong | Sound | $3,058Fees | 0.400%Above | 28 | |
15 | FIRST COLONY MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $1,912Fees | 0.249%Above | 24 | |
16 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $4,420Fees | 0.117%Above | 24 | |
17 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,355Fees | 0.701%Above | 71 | |
18 | CANOPY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,604Fees | 0.441%Above | 45 | |
19 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,530Fees | 0.595%Above | 24 | |
20 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $4,718Fees | 0.291%Above | 13 | |
21 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $1,334Fees | 0.559%Above | 74 | |
22 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,797Fees | 0.910%Above | 14 | |
23 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,660Fees | 0.305%Above | 12 | |
24 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,916Fees | 0.978%Above | 11 | |
25 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $2,891Fees | 0.821%Above | 45 | |
26 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $4,282Fees | 0.363%Above | 18 | |
27 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $4,078Fees | 0.192%Above | 13 | |
28 | ALAMEDA MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Sound | $4,143Fees | 1.035%Above | 10 | |
29 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $2,933Fees | 0.711%Above | 71 | |
30 | SOUTHEAST MORTGAGE OF GEORGIA, INC.Independent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $2,759Fees | 0.656%Above | 25 | |
31 | ROYAL UNITED MORTGAGE LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Sound | Sound | $2,421Fees | 1.360%Above | 14 |
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.