Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Tyndall Federal Credit UnionCredit Union | Exceptional | Exceptional | Strong | Exceptional | Strong | $1,434Fees | 0.249%Above | 44 | |
2 | GMFS LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,163Fees | 0.202%Above | 171 | |
3 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,031Fees | 0.249%Above | 147 | |
4 | First Federal Bank, A FSBBank | Exceptional | Strong | Exceptional | Strong | Strong | $3,478Fees | 0.104%Above | 80 | |
5 | Cadence BankBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,537Fees | 0.265%Above | 66 | |
6 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $4,636Fees | 0.242%Above | 57 | |
7 | BankPlusBank | Exceptional | Exceptional | Strong | Sound | Strong | $1,312Fees | 0.038%Above | 54 | |
8 | KEESLERCredit Union | Exceptional | Exceptional | Strong | Strong | Sound | $478Fees | 0.313%Below | 15 | |
9 | FBC MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Sound | $1,216Fees | 1.027%Below | 13 | |
10 | Trustmark National BankBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,635Fees | 0.360%Above | 276 | |
11 | TOWNE MORTGAGE COMPANYIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,315Fees | 0.276%Above | 96 | |
12 | SWBC MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,786Fees | 0.386%Above | 80 | |
13 | HANCOCK WHITNEY BANKBank | Exceptional | Strong | Strong | Strong | Strong | $2,799Fees | 0.268%Above | 79 | |
14 | Community Bank of MississippiBank | Exceptional | Strong | Strong | Strong | Strong | $2,092Fees | 0.477%Above | 44 | |
15 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $2,354Fees | 0.413%Above | 30 | |
16 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $2,349Fees | 0.463%Above | 13 | |
17 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,493Fees | 0.362%Above | 413 | |
18 | Regions BankBank | Strong | Sound | Exceptional | Sound | Exceptional | $1,776Fees | 0.405%Above | 121 | |
19 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,624Fees | 0.600%Above | 117 | |
20 | Renasant BankBank | Strong | Sound | Exceptional | Strong | Strong | $2,283Fees | 0.410%Above | 61 | |
21 | Bank of EnglandBank | Strong | Sound | Exceptional | Strong | Strong | $4,079Fees | 1.013%Above | 51 | |
22 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $2,153Fees | 0.226%Above | 45 | |
23 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,723Fees | 0.653%Above | 43 | |
24 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Strong | Exceptional | Sound | Sound | $2,118Fees | 0.304%Below | 27 | |
25 | GoodLeap, LLCIndependent Mortgage Company | Strong | Strong | Exceptional | Sound | Sound | $3,554Fees | 0.002%Below | 25 | |
26 | EMBRACE HOME LOANS, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,566Fees | 0.569%Above | 215 | |
27 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,932Fees | 0.480%Above | 78 | |
28 | FirstBankBank | Strong | Sound | Exceptional | Strong | Sound | $1,988Fees | 0.177%Above | 31 | |
29 | Plains Commerce BankBank | Strong | Sound | Exceptional | Strong | Sound | $2,342Fees | 0.635%Above | 29 | |
30 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Exceptional | $2,859Fees | 0.857%Above | 131 | |
31 | STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,570Fees | 0.592%Above | 79 | |
32 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Sound | $3,615Fees | 0.285%Above | 24 | |
33 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $2,988Fees | 0.456%Above | 51 | |
34 | DIRECT MORTGAGE LOANS, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,206Fees | 0.936%Above | 48 | |
35 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,256Fees | 0.341%Above | 30 | |
36 | MORTGAGE SOLUTIONS OF COLORADO, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,323Fees | 0.471%Above | 18 | |
37 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $4,054Fees | 0.593%Above | 14 | |
38 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,999Fees | 1.184%Above | 14 | |
39 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,932Fees | 0.622%Above | 13 | |
40 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $2,913Fees | 0.349%Above | 44 | |
41 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $3,802Fees | 0.174%Above | 18 | |
42 | American Mortgage Bank, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Sound | $2,364Fees | 0.143%Above | 13 | |
43 | AMERISAVE MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $2,263Fees | 0.467%Above | 11 | |
44 | Hamilton Mortgage CorporationIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Sound | $3,370Fees | 0.620%Above | 10 | |
45 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $3,762Fees | 0.931%Above | 82 | |
46 | PRINCETON MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Acceptable | Strong | Sound | Sound | $2,793Fees | 0.323%Above | 24 | |
47 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $2,525Fees | 0.675%Above | 21 | |
48 | MILEND, INC.Independent Mortgage Company | Sound | Mediocre | Strong | Sound | Sound | $5,631Fees | 0.453%Above | 10 |
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.