Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Truist BankBank | Exceptional | Exceptional | Exceptional | Sound | — | $802Fees | 0.078%Above | 13,874 | |
2 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | — | $2,828Fees | 0.185%Above | 285,901 | |
3 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | — | $3,553Fees | 0.387%Above | 58,550 | |
4 | NEWREZ LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | — | $2,479Fees | 0.382%Above | 32,880 | |
5 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | — | $2,384Fees | 0.287%Above | 18,786 | |
6 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | — | $2,079Fees | 0.294%Above | 14,849 | |
7 | Fifth Third Bank, National AssociationBank | Exceptional | Exceptional | Strong | Sound | — | $542Fees | 0.263%Above | 10,811 | |
8 | U.S. Bank National AssociationBank | Strong | Strong | Exceptional | Sound | — | $283Fees | 0.033%Above | 37,416 | |
9 | Plains Commerce BankBank | Strong | Strong | Exceptional | Sound | — | $2,989Fees | 0.278%Above | 11,610 | |
10 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Exceptional | — | $2,818Fees | 0.429%Above | 9,840 | |
11 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | — | $2,940Fees | 0.289%Above | 46,733 | |
12 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | — | $3,279Fees | 0.479%Above | 17,073 | |
13 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | — | $2,761Fees | 0.348%Above | 13,399 | |
14 | FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | — | $1,570Fees | 0.401%Above | 13,335 | |
15 | Ameris BankBank | Strong | Sound | Exceptional | Strong | — | $2,801Fees | 0.172%Above | 11,244 | |
16 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | — | $2,801Fees | 0.380%Above | 11,165 | |
17 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | — | $2,206Fees | 0.608%Above | 9,656 | |
18 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | — | $3,102Fees | 0.063%Above | 7,432 | |
19 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Sound | — | $2,572Fees | 0.351%Above | 23,726 | |
20 | The Huntington National BankBank | Strong | Sound | Exceptional | Sound | — | $415Fees | 0.374%Above | 18,842 | |
21 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | — | $2,477Fees | 0.229%Above | 51,353 | |
22 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | — | $3,445Fees | 0.321%Above | 21,082 | |
23 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | — | $2,834Fees | 0.450%Above | 15,793 | |
24 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | — | $3,469Fees | 0.467%Above | 11,689 | |
25 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | — | $3,519Fees | 0.812%Above | 9,354 | |
26 | Bell BankBank | Strong | Acceptable | Strong | Exceptional | — | $2,876Fees | 0.274%Above | 7,696 | |
27 | Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | — | $3,577Fees | 0.263%Above | 7,145 | |
28 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | — | $1,956Fees | 0.540%Above | 60,588 | |
29 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | — | $2,582Fees | 0.136%Above | 57,340 | |
30 | Regions BankBank | Strong | Acceptable | Exceptional | Sound | — | $1,948Fees | 0.333%Above | 10,811 | |
31 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | — | $3,549Fees | 0.497%Above | 86,295 | |
32 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | — | $3,254Fees | 0.445%Above | 61,160 | |
33 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | — | $2,921Fees | 0.343%Above | 51,046 | |
34 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | — | $3,182Fees | 0.556%Above | 37,119 | |
35 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Sound | Mediocre | Exceptional | Strong | — | $2,996Fees | 0.562%Above | 23,240 | |
36 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | — | $4,289Fees | 0.552%Above | 17,767 | |
37 | NFM, INC.Independent Mortgage Company | Sound | Acceptable | Strong | Sound | — | $3,705Fees | 0.346%Above | 16,100 | |
38 | EVERETT FINANCIAL, INC.Independent Mortgage Company | Sound | Mediocre | Exceptional | Strong | — | $4,249Fees | 0.678%Above | 13,110 | |
39 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Sound | Sound | Sound | Acceptable | — | $2,029Fees | 0.181%Above | 11,542 | |
40 | BAY EQUITY LLCIndependent Mortgage Company | Sound | Sound | Sound | Acceptable | — | $2,852Fees | 0.180%Above | 9,468 | |
41 | PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company | Sound | Mediocre | Exceptional | Strong | — | $4,134Fees | 0.531%Above | 8,466 | |
42 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | — | $3,961Fees | 0.505%Above | 8,262 | |
43 | DAS Acquisition Company, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | — | $2,766Fees | 0.587%Above | 7,507 | |
44 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Sound | Sound | Mediocre | — | $2,402Fees | 0.164%Above | 37,313 | |
45 | Luminate Home Loans, Inc.Independent Mortgage Company | Sound | Mediocre | Exceptional | Sound | — | $4,167Fees | 0.581%Above | 7,561 | |
46 | THE LOAN STORE, INC.Independent Mortgage Company | Sound | Acceptable | Sound | Acceptable | — | $2,398Fees | 0.284%Above | 16,835 | |
47 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Sound | Acceptable | Sound | Acceptable | — | $2,588Fees | 0.279%Above | 12,743 |
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.