Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,057Fees | 0.136%Above | 205 | |
2 | GMFS LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,041Fees | 0.270%Above | 63 | |
3 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $3,521Fees | 0.367%Above | 47 | |
4 | Trustmark National BankBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,647Fees | 0.206%Above | 359 | |
5 | Renasant BankBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,457Fees | 0.176%Above | 205 | |
6 | Synovus BankBank | Exceptional | Strong | Strong | Strong | Strong | $2,375Fees | 0.267%Above | 58 | |
7 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $2,071Fees | 0.017%Below | 52 | |
8 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,655Fees | 0.507%Above | 273 | |
9 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $1,838Fees | 0.507%Above | 261 | |
10 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,643Fees | 0.314%Above | 47 | |
11 | TOWNE MORTGAGE COMPANYIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | Sound | $2,301Fees | 0.244%Above | 36 | |
12 | SouthPoint BankBank | Strong | Strong | Strong | Strong | Sound | $1,559Fees | 0.035%Above | 25 | |
13 | First Federal BankBank | Strong | Strong | Strong | Strong | Sound | $1,124Fees | 0.472%Above | 18 | |
14 | GoodLeap, LLCIndependent Mortgage Company | Strong | Strong | Exceptional | Sound | Sound | $2,300Fees | 0.246%Above | 13 | |
15 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,045Fees | 0.418%Above | 493 | |
16 | Regions BankBank | Strong | Sound | Exceptional | Sound | Strong | $1,159Fees | 0.625%Above | 121 | |
17 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,067Fees | 0.512%Above | 60 | |
18 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $2,694Fees | 0.401%Above | 54 | |
19 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Sound | $1,832Fees | 0.190%Above | 37 | |
20 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,993Fees | 0.311%Above | 125 | |
21 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,133Fees | 0.563%Above | 95 | |
22 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $1,893Fees | 0.504%Above | 28 | |
23 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $2,724Fees | 0.904%Above | 25 | |
24 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,331Fees | 0.397%Above | 289 | |
25 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,744Fees | 0.264%Above | 34 | |
26 | STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $4,131Fees | 0.657%Above | 15 | |
27 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $2,976Fees | 0.384%Above | 40 | |
28 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $4,787Fees | 0.264%Above | 23 | |
29 | Consumer First Mortgage, Inc.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Sound | $3,657Fees | 0.517%Above | 14 | |
30 | Hamilton Mortgage CorporationIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Sound | $2,537Fees | 0.749%Above | 13 | |
31 | ZILLOW HOME LOANS, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Acceptable | $2,905Fees | 1.048%Above | 10 | |
32 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Sound | $2,953Fees | 0.580%Above | 27 |
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.