Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Patriot BankBank | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,296Fees | 0.027%Below | 399 | |
2 | Orion Federal Credit UnionCredit Union | Exceptional | Exceptional | Strong | Strong | Exceptional | $490Fees | 0.150%Below | 156 | |
3 | Cadence BankBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,250Fees | 0.001%Above | 421 | |
4 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,187Fees | 0.067%Above | 521 | |
5 | Pinnacle BankBank | Exceptional | Strong | Strong | Strong | Exceptional | $2,324Fees | 0.096%Above | 402 | |
6 | Eagle Bank and Trust CompanyBank | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,142Fees | 0.296%Above | 272 | |
7 | BARTLETT MORTGAGE, INC.Independent Mortgage Company | Exceptional | Strong | Strong | Strong | Exceptional | $1,967Fees | 0.230%Above | 195 | |
8 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $3,184Fees | 0.276%Above | 191 | |
9 | COMMUNITY MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Sound | Strong | Exceptional | Exceptional | $3,263Fees | 0.210%Above | 1,062 | |
10 | Trustmark National BankBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,143Fees | 0.219%Above | 335 | |
11 | MORTGAGE INVESTORS GROUP, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,591Fees | 0.190%Above | 312 | |
12 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $2,152Fees | 0.044%Below | 185 | |
13 | Simmons BankBank | Exceptional | Strong | Strong | Strong | Strong | $1,504Fees | 0.723%Above | 107 | |
14 | SWBC MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,272Fees | 0.495%Above | 85 | |
15 | GoodLeap, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $3,264Fees | 0.131%Above | 68 | |
16 | Community Bank of MississippiBank | Exceptional | Strong | Strong | Strong | Strong | $2,131Fees | 0.265%Above | 57 | |
17 | BankPlusBank | Exceptional | Exceptional | Strong | Sound | Sound | $1,230Fees | 0.171%Above | 41 | |
18 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,241Fees | 0.380%Above | 1,095 | |
19 | Renasant BankBank | Strong | Sound | Exceptional | Strong | Strong | $2,320Fees | 0.300%Above | 200 | |
20 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,851Fees | 0.410%Above | 130 | |
21 | Bank of EnglandBank | Strong | Sound | Exceptional | Strong | Strong | $2,655Fees | 0.213%Above | 104 | |
22 | Regions BankBank | Strong | Sound | Exceptional | Sound | Strong | $1,957Fees | 0.462%Above | 240 | |
23 | Nations Lending CorporationIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,700Fees | 0.553%Above | 184 | |
24 | Evolve Bank & TrustBank | Strong | Sound | Strong | Strong | Strong | $2,288Fees | 0.220%Above | 181 | |
25 | Leaders Credit UnionCredit Union | Strong | Sound | Strong | Strong | Strong | $800Fees | 0.124%Above | 152 | |
26 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,458Fees | 0.461%Above | 100 | |
27 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,672Fees | 0.246%Below | 82 | |
28 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,625Fees | 0.632%Above | 81 | |
29 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,021Fees | 0.539%Above | 72 | |
30 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Sound | $2,807Fees | 0.421%Above | 64 | |
31 | FirstBankBank | Strong | Sound | Exceptional | Strong | Sound | $1,681Fees | 0.534%Above | 52 | |
32 | MORTGAGE FINANCIAL SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $3,932Fees | 0.629%Above | 47 | |
33 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,847Fees | 0.296%Above | 363 | |
34 | STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,729Fees | 0.525%Above | 141 | |
35 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,179Fees | 0.456%Above | 95 | |
36 | Wells Fargo Bank, National AssociationBank | Strong | Sound | Strong | Sound | Strong | $2,263Fees | 0.050%Above | 84 | |
37 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,504Fees | 0.721%Above | 75 | |
38 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Sound | $2,939Fees | 0.368%Above | 52 | |
39 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,137Fees | 0.352%Above | 42 | |
40 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $310Fees | 0.850%Above | 319 | |
41 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $2,836Fees | 0.419%Above | 97 | |
42 | EVERETT FINANCIAL, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $5,359Fees | 0.712%Above | 97 | |
43 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,303Fees | 0.582%Above | 62 | |
44 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $4,263Fees | 0.581%Above | 42 | |
45 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $128Fees | 0.693%Above | 40 | |
46 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,477Fees | 0.498%Above | 31 | |
47 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,653Fees | 0.662%Above | 31 | |
48 | Independent BankBank | Strong | Acceptable | Sound | Strong | Strong | $2,320Fees | 0.386%Above | 110 | |
49 | Bank of America, National AssociationBank | Strong | Acceptable | Strong | Sound | Strong | $2,610Fees | 0.007%Below | 77 | |
50 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $4,501Fees | 0.528%Above | 64 |
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.