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 | $466Fees | 0.871%Below | 441 | |
2 | Truist BankBank | Exceptional | Exceptional | Exceptional | Sound | Exceptional | $608Fees | 0.075%Above | 2,669 | |
3 | GoPrime Mortgage, Inc.Independent Mortgage Company | Exceptional | Exceptional | Exceptional | Strong | Strong | $2,351Fees | 0.142%Above | 650 | |
4 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,389Fees | 0.004%Above | 7,350 | |
5 | First BankBank | Exceptional | Exceptional | — | Strong | Exceptional | $1,277Fees | 0.069%Above | 591 | |
6 | First-Citizens Bank & Trust CompanyBank | Exceptional | Strong | Strong | Strong | Exceptional | $1,445Fees | 0.037%Below | 1,922 | |
7 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,732Fees | 0.338%Above | 1,255 | |
8 | NEWREZ LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,850Fees | 0.291%Above | 1,149 | |
9 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,299Fees | 0.277%Above | 1,034 | |
10 | Alcova Mortgage LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,702Fees | 0.322%Above | 1,014 | |
11 | North State BankBank | Exceptional | Exceptional | — | Strong | Strong | $1,047Fees | 0.002%Above | 453 | |
12 | United Community BankBank | Exceptional | Strong | Strong | Strong | Strong | $2,495Fees | 0.370%Above | 620 | |
13 | American Security Mortgage Corp.Independent Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $1,873Fees | 0.113%Above | 2,629 | |
14 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,037Fees | 0.173%Above | 1,052 | |
15 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,929Fees | 0.113%Above | 777 | |
16 | EQUITY RESOURCES, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,928Fees | 0.231%Above | 375 | |
17 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,480Fees | 0.251%Above | 358 | |
18 | HomeTrust BankBank | Strong | Strong | — | Strong | Strong | $1,168Fees | 0.032%Above | 330 | |
19 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,453Fees | 0.207%Above | 2,007 | |
20 | Towne BankBank | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,358Fees | 0.304%Above | 904 | |
21 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Sound | Strong | $2,409Fees | 0.291%Above | 452 | |
22 | FIRST HOME MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,219Fees | 0.412%Above | 405 | |
23 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $2,295Fees | 0.525%Above | 364 | |
24 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Exceptional | $1,929Fees | 0.617%Above | 3,470 | |
25 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Exceptional | $2,642Fees | 0.102%Below | 2,722 | |
26 | CORNERSTONE CAPITAL BANK, SSBBank | Strong | Acceptable | Exceptional | Strong | Strong | $3,671Fees | 0.304%Above | 772 | |
27 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,219Fees | 0.484%Above | 474 | |
28 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,525Fees | 0.404%Above | 436 | |
29 | Uwharrie BankBank | Strong | Sound | — | Strong | Strong | $1,506Fees | 0.253%Above | 330 | |
30 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $2,384Fees | 0.302%Above | 6,974 | |
31 | ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,434Fees | 0.390%Above | 4,640 | |
32 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,054Fees | 0.456%Above | 2,765 | |
33 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,604Fees | 0.487%Above | 2,671 | |
34 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,086Fees | 0.443%Above | 1,664 | |
35 | Primis Mortgage CompanyIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $2,700Fees | 0.284%Above | 679 | |
36 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,220Fees | 0.272%Above | 975 | |
37 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,216Fees | 0.587%Above | 931 | |
38 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $3,761Fees | 0.368%Above | 825 | |
39 | HOWARD HANNA FINANCIAL SERVICES, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $2,188Fees | 0.253%Above | 744 | |
40 | Integrity Home Mortgage CorporationIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $2,661Fees | 0.405%Above | 530 | |
41 | PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,531Fees | 0.470%Above | 339 |
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.