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 | Exceptional | Exceptional | Exceptional | Exceptional | $2,982Fees | 0.151%Above | 715 | |
2 | JET HOMELOANS, LPIndependent Mortgage Company | Exceptional | Exceptional | Exceptional | Exceptional | Strong | $2,459Fees | 0.282%Below | 209 | |
3 | VELOCIO MORTGAGE L.L.C.Independent Mortgage Company | Exceptional | Exceptional | Exceptional | Exceptional | Strong | $1,448Fees | 0.501%Below | 193 | |
4 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $3,644Fees | 0.306%Above | 4,820 | |
5 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $619Fees | 0.433%Below | 303 | |
6 | TRAILBLAZER MORTGAGE L.L.C.Independent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Strong | $2,264Fees | 1.275%Below | 132 | |
7 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Strong | $1,858Fees | 0.432%Below | 118 | |
8 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Exceptional | $2,713Fees | 0.143%Above | 727 | |
9 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $4,462Fees | 0.374%Above | 510 | |
10 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $3,034Fees | 0.217%Above | 507 | |
11 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,866Fees | 0.228%Above | 384 | |
12 | MATTAMY HOME FUNDING, LLCIndependent Mortgage Company | Exceptional | Strong | Strong | Exceptional | Strong | $129Fees | 0.005%Below | 186 | |
13 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $3,069Fees | 0.229%Above | 152 | |
14 | PARK SQUARE HOME MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Exceptional | Sound | Strong | Strong | $2,704Fees | 0.520%Below | 140 | |
15 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $4,306Fees | 0.723%Above | 131 | |
16 | M/I FINANCIAL, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $5,188Fees | 0.125%Below | 363 | |
17 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,437Fees | 0.522%Above | 359 | |
18 | SouthState Bank, National AssociationBank | Exceptional | Strong | Strong | Strong | Strong | $3,188Fees | 0.196%Above | 270 | |
19 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,263Fees | 0.272%Above | 174 | |
20 | First Heritage Mortgage, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,176Fees | 0.563%Below | 173 | |
21 | USAA Federal Savings BankBank | Exceptional | Strong | Exceptional | Sound | Strong | $1,507Fees | 0.180%Below | 99 | |
22 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,583Fees | 0.233%Above | 2,512 | |
23 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,979Fees | 0.062%Below | 542 | |
24 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,943Fees | 0.325%Above | 390 | |
25 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,896Fees | 0.597%Above | 360 | |
26 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $3,440Fees | 0.394%Above | 324 | |
27 | Plains Commerce BankBank | Strong | Sound | Exceptional | Strong | Strong | $3,890Fees | 0.372%Above | 305 | |
28 | Truist BankBank | Strong | Strong | Strong | Sound | Strong | $1,117Fees | 0.071%Above | 269 | |
29 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,631Fees | 0.488%Above | 728 | |
30 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,026Fees | 0.247%Below | 488 | |
31 | Wells Fargo Bank, National AssociationBank | Strong | Sound | Exceptional | Sound | Strong | $2,375Fees | 0.087%Below | 289 | |
32 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,146Fees | 0.419%Above | 245 | |
33 | NORTHPOINT MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $1,623Fees | 0.232%Above | 176 | |
34 | RMC HOME MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $4,859Fees | 0.008%Above | 127 | |
35 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,542Fees | 0.276%Above | 95 | |
36 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,921Fees | 0.590%Above | 73 | |
37 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,547Fees | 0.252%Above | 73 | |
38 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,696Fees | 0.281%Above | 351 | |
39 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,224Fees | 0.262%Above | 225 | |
40 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,081Fees | 0.265%Above | 204 | |
41 | Regions BankBank | Strong | Sound | Strong | Sound | Strong | $1,868Fees | 0.277%Above | 179 | |
42 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,273Fees | 0.476%Above | 171 | |
43 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $4,129Fees | 0.443%Above | 239 | |
44 | ZILLOW HOME LOANS, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $2,828Fees | 0.349%Above | 198 | |
45 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $4,390Fees | 0.650%Above | 142 | |
46 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $5,048Fees | 0.425%Above | 107 | |
47 | THE MORTGAGE FIRM, INC.Independent Mortgage Company | Strong | Mediocre | Strong | Strong | Exceptional | $3,746Fees | 0.399%Above | 490 | |
48 | Waterstone Mortgage CorporationIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,562Fees | 0.394%Above | 369 | |
49 | CANOPY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,128Fees | 0.313%Above | 200 |
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.