Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | First Heritage Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,539Fees | 0.420%Above | 175 | |
2 | TRAILBLAZER MORTGAGE L.L.C.Independent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Strong | $2,376Fees | 0.397%Below | 72 | |
3 | VICTORY MORTGAGE, L.L.C.Independent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Strong | $766Fees | 0.096%Above | 52 | |
4 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,820Fees | 0.135%Above | 1,808 | |
5 | BANKSOUTH MORTGAGE COMPANY, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,775Fees | 0.350%Above | 474 | |
6 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,800Fees | 0.328%Above | 367 | |
7 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,586Fees | 0.077%Above | 289 | |
8 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $3,232Fees | 0.212%Above | 273 | |
9 | SWBC MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,862Fees | 0.247%Above | 252 | |
10 | Ameris BankBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,151Fees | 0.173%Above | 826 | |
11 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,560Fees | 0.175%Below | 381 | |
12 | Truist BankBank | Exceptional | Strong | Strong | Sound | Exceptional | $1,051Fees | 0.017%Above | 289 | |
13 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $1,892Fees | 0.041%Above | 284 | |
14 | MORTGAGE ASSURANCE, INC.Independent Mortgage Company | Exceptional | Strong | Strong | Strong | Strong | $2,923Fees | 0.015%Above | 156 | |
15 | First Federal BankBank | Exceptional | Strong | Strong | Strong | Strong | $1,690Fees | 0.085%Above | 126 | |
16 | Synovus BankBank | Exceptional | Strong | Strong | Strong | Strong | $1,918Fees | 0.038%Below | 82 | |
17 | SouthState Bank, National AssociationBank | Exceptional | Strong | Strong | Strong | Strong | $2,308Fees | 0.219%Above | 71 | |
18 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $2,227Fees | 0.174%Above | 57 | |
19 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,549Fees | 0.251%Above | 1,796 | |
20 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,307Fees | 0.346%Above | 437 | |
21 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,356Fees | 0.335%Above | 170 | |
22 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $2,679Fees | 0.237%Above | 145 | |
23 | Renasant BankBank | Strong | Sound | Exceptional | Strong | Strong | $3,521Fees | 0.100%Above | 110 | |
24 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,609Fees | 0.700%Above | 73 | |
25 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,288Fees | 0.305%Above | 73 | |
26 | GoodLeap, LLCIndependent Mortgage Company | Strong | Strong | Exceptional | Sound | Sound | $3,806Fees | 0.051%Below | 42 | |
27 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,722Fees | 0.231%Above | 724 | |
28 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,644Fees | 0.277%Above | 330 | |
29 | Capital City Home Loans, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $1,862Fees | 0.224%Above | 160 | |
30 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $2,888Fees | 0.238%Above | 154 | |
31 | United Community BankBank | Strong | Sound | Strong | Strong | Strong | $2,080Fees | 0.388%Above | 146 | |
32 | ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,777Fees | 0.279%Above | 129 | |
33 | Regions BankBank | Strong | Sound | Exceptional | Sound | Strong | $1,883Fees | 0.259%Above | 123 | |
34 | Heritage Mortgage, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $1,872Fees | 0.114%Below | 112 | |
35 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,358Fees | 0.219%Above | 101 | |
36 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,904Fees | 0.541%Above | 76 | |
37 | AMERICAN FINANCING CORPORATIONIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $5,331Fees | 0.010%Above | 76 | |
38 | Magnolia Bank, IncorporatedBank | Strong | Sound | Strong | Strong | Strong | $3,598Fees | 0.287%Above | 73 | |
39 | ZILLOW HOME LOANS, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,946Fees | 0.250%Above | 217 | |
40 | CANOPY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,728Fees | 0.415%Above | 211 | |
41 | HOMEOWNERS FINANCIAL GROUP USA, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,347Fees | 0.219%Above | 196 | |
42 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,565Fees | 0.401%Above | 130 | |
43 | DIRECT LENDERS, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $3,306Fees | 0.118%Above | 112 | |
44 | STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,954Fees | 0.297%Above | 101 | |
45 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,343Fees | 0.333%Above | 94 | |
46 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,494Fees | 0.529%Above | 88 | |
47 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,747Fees | 0.417%Above | 74 | |
48 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,807Fees | 0.492%Above | 64 | |
49 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $4,022Fees | 0.673%Above | 50 | |
50 | Alcova Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,029Fees | 0.237%Above | 46 |
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.