Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | VELOCIO MORTGAGE L.L.C.Independent Mortgage Company | Exceptional | Exceptional | Exceptional | Exceptional | Strong | $734Fees | 1.117%Below | 76 | |
2 | FBC MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Strong | $1,852Fees | 0.577%Below | 93 | |
3 | JET HOMELOANS, LPIndependent Mortgage Company | Exceptional | Exceptional | Strong | Exceptional | Sound | $2,045Fees | 0.215%Below | 33 | |
4 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,250Fees | 0.203%Above | 326 | |
5 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,565Fees | 0.114%Below | 209 | |
6 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,452Fees | 0.001%Below | 58 | |
7 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,336Fees | 0.118%Below | 337 | |
8 | SouthState Bank, National AssociationBank | Exceptional | Strong | Strong | Strong | Strong | $1,955Fees | 0.291%Above | 76 | |
9 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,182Fees | 0.305%Above | 599 | |
10 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,161Fees | 0.726%Above | 244 | |
11 | Ameris BankBank | Strong | Sound | Exceptional | Strong | Strong | $2,800Fees | 0.524%Above | 111 | |
12 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $2,607Fees | 0.446%Above | 83 | |
13 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Strong | Exceptional | Sound | Sound | $2,735Fees | 0.114%Above | 46 | |
14 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,706Fees | 0.477%Above | 267 | |
15 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,834Fees | 0.614%Above | 185 | |
16 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $3,188Fees | 0.541%Above | 78 | |
17 | ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,821Fees | 0.708%Above | 71 | |
18 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,865Fees | 0.638%Above | 70 | |
19 | Alcova Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,176Fees | 0.600%Above | 52 | |
20 | Plains Commerce BankBank | Strong | Sound | Exceptional | Strong | Sound | $2,752Fees | 0.452%Above | 48 | |
21 | TIDEWATER MORTGAGE SERVICES, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $3,545Fees | 0.235%Above | 188 | |
22 | Gateway First BankBank | Strong | Acceptable | Exceptional | Strong | Strong | $2,488Fees | 0.686%Above | 169 | |
23 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,665Fees | 0.299%Above | 157 | |
24 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,218Fees | 0.499%Above | 137 | |
25 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,972Fees | 0.374%Above | 125 | |
26 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,474Fees | 0.462%Above | 101 | |
27 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,817Fees | 0.602%Above | 99 | |
28 | Magnolia Bank, IncorporatedBank | Strong | Sound | Strong | Strong | Sound | $2,138Fees | 0.443%Above | 24 | |
29 | AMERICAN FINANCIAL RESOURCES, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,592Fees | 0.711%Above | 19 | |
30 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,603Fees | 0.418%Above | 80 | |
31 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Sound | $3,799Fees | 0.901%Above | 33 | |
32 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $2,924Fees | 0.187%Above | 30 | |
33 | AMERISAVE MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $6,013Fees | 0.751%Above | 22 | |
34 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $3,709Fees | 0.418%Above | 52 | |
35 | CHURCHILL MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $2,634Fees | 0.364%Above | 29 | |
36 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Sound | $3,484Fees | 0.573%Above | 36 | |
37 | CITY FIRST MORTGAGE SERVICES, L.L.C.Independent Mortgage Company | Sound | Mediocre | Strong | Strong | Sound | $4,139Fees | 0.829%Above | 29 |
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.