Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | FBC MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,709Fees | 0.285%Above | 70 | |
2 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,290Fees | 0.295%Above | 830 | |
3 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,403Fees | 0.180%Above | 94 | |
4 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $1,275Fees | 0.207%Above | 93 | |
5 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,000Fees | 0.361%Above | 568 | |
6 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,192Fees | 0.555%Above | 301 | |
7 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,845Fees | 0.194%Above | 129 | |
8 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $2,652Fees | 0.318%Above | 90 | |
9 | Ameris BankBank | Strong | Sound | Exceptional | Strong | Strong | $2,308Fees | 0.179%Above | 71 | |
10 | SouthState Bank, National AssociationBank | Strong | Strong | Strong | Strong | Sound | $2,445Fees | 0.269%Above | 35 | |
11 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Exceptional | Sound | $2,145Fees | 1.030%Below | 32 | |
12 | AMERICAN BANCSHARES MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | Exceptional | $4,213Fees | 0.557%Above | 165 | |
13 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,021Fees | 0.391%Above | 131 | |
14 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $3,085Fees | 0.223%Above | 109 | |
15 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,620Fees | 0.513%Above | 108 | |
16 | Regions BankBank | Strong | Sound | Exceptional | Sound | Strong | $1,080Fees | 0.580%Above | 76 | |
17 | COASTAL LOANS, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $5,514Fees | 0.324%Above | 63 | |
18 | Truist BankBank | Strong | Strong | Strong | Sound | Sound | $1,730Fees | 0.008%Above | 43 | |
19 | THE MORTGAGE FIRM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,176Fees | 0.503%Above | 42 | |
20 | Plains Commerce BankBank | Strong | Sound | Exceptional | Strong | Sound | $2,930Fees | 0.489%Above | 36 | |
21 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $1,152Fees | 0.151%Above | 31 | |
22 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $3,581Fees | 0.350%Above | 26 | |
23 | MORTGAGE FINANCIAL GROUP, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $2,989Fees | 0.195%Above | 23 | |
24 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $1,797Fees | 0.443%Above | 19 | |
25 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Exceptional | $3,148Fees | 0.484%Above | 204 | |
26 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,667Fees | 0.465%Above | 155 | |
27 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,915Fees | 0.217%Above | 90 | |
28 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,877Fees | 0.416%Above | 68 | |
29 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,277Fees | 0.383%Above | 62 | |
30 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,629Fees | 0.747%Above | 59 | |
31 | STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,540Fees | 0.584%Above | 43 | |
32 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,489Fees | 0.307%Above | 17 | |
33 | EVERETT FINANCIAL, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $3,152Fees | 0.913%Above | 79 | |
34 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,642Fees | 0.374%Above | 34 | |
35 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,792Fees | 0.598%Above | 33 | |
36 | ZILLOW HOME LOANS, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,605Fees | 0.436%Above | 27 | |
37 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,793Fees | 0.527%Above | 20 | |
38 | EMBRACE HOME LOANS, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,472Fees | 0.855%Above | 19 | |
39 | AFFORDABLE MORTGAGE ADVISORS, LLC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,655Fees | 0.511%Above | 19 | |
40 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,412Fees | 0.783%Above | 19 | |
41 | SUN WEST MORTGAGE COMPANY, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $4,408Fees | 0.355%Above | 18 | |
42 | HOMESPIRE MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $4,537Fees | 0.476%Above | 17 | |
43 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,906Fees | 0.465%Above | 17 | |
44 | CANOPY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $4,698Fees | 0.357%Above | 17 | |
45 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,302Fees | 0.408%Above | 16 | |
46 | JMAC LENDING, INC.Independent Mortgage Company | Strong | Sound | Strong | Sound | Sound | $3,386Fees | 0.137%Above | 16 | |
47 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,145Fees | 0.569%Above | 162 | |
48 | SUCCESS MORTGAGE PARTNERS, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,149Fees | 0.371%Above | 84 | |
49 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $3,733Fees | 0.501%Above | 28 | |
50 | AMERISAVE MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $4,194Fees | 0.440%Above | 17 |
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.