Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | DSLD MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Exceptional | Exceptional | Strong | Strong | $77Credit | 0.607%Below | 100 | |
2 | University BankBank | Exceptional | Strong | Strong | Exceptional | Exceptional | $2,533Fees | 0.101%Above | 313 | |
3 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,420Fees | 0.070%Below | 518 | |
4 | SWBC MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,287Fees | 0.345%Above | 329 | |
5 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $927Fees | 0.107%Below | 156 | |
6 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,329Fees | 0.095%Below | 119 | |
7 | FBC MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Sound | $578Fees | 1.094%Below | 42 | |
8 | City National Bank of FloridaBank | Exceptional | Exceptional | Strong | Strong | Sound | $1,793Fees | 0.016%Below | 29 | |
9 | Synovus BankBank | Exceptional | Strong | Strong | Strong | Strong | $1,511Fees | 0.032%Above | 79 | |
10 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $1,736Fees | 0.237%Below | 71 | |
11 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,158Fees | 0.269%Above | 561 | |
12 | THE MORTGAGE FIRM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,432Fees | 0.604%Above | 267 | |
13 | Ameris BankBank | Strong | Sound | Exceptional | Strong | Strong | $2,808Fees | 0.203%Above | 78 | |
14 | FIDELITY BANKBank | Strong | Sound | Exceptional | Strong | Strong | $4,597Fees | 0.534%Above | 71 | |
15 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,600Fees | 0.055%Above | 66 | |
16 | FIRST COLONY MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,129Fees | 0.181%Below | 50 | |
17 | TOWNE MORTGAGE COMPANYIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | Sound | $2,002Fees | 0.022%Below | 28 | |
18 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,308Fees | 0.250%Above | 236 | |
19 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,063Fees | 0.662%Above | 178 | |
20 | Regions BankBank | Strong | Sound | Exceptional | Sound | Strong | $2,143Fees | 0.277%Above | 149 | |
21 | COASTAL LOANS, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,966Fees | 0.084%Above | 93 | |
22 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $1,830Fees | 0.198%Above | 61 | |
23 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,982Fees | 0.257%Above | 59 | |
24 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Sound | $1,384Fees | 0.275%Above | 31 | |
25 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $1,822Fees | 0.194%Above | 23 | |
26 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Exceptional | $3,580Fees | 0.548%Above | 268 | |
27 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,163Fees | 0.343%Above | 196 | |
28 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,597Fees | 0.272%Above | 104 | |
29 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $2,389Fees | 0.634%Above | 21 | |
30 | GARDNER FINANCIAL SERVICES, LTD.Independent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,276Fees | 0.823%Above | 48 | |
31 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $1,447Fees | 0.123%Below | 47 | |
32 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $1,827Fees | 0.163%Below | 43 | |
33 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $4,277Fees | 0.328%Above | 40 | |
34 | MORTGAGE SOLUTIONS OF COLORADO, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,756Fees | 0.791%Above | 29 | |
35 | CANOPY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $4,653Fees | 0.485%Above | 26 | |
36 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $1,892Fees | 0.499%Above | 24 | |
37 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,202Fees | 0.561%Above | 70 | |
38 | PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,400Fees | 0.622%Above | 67 | |
39 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $2,465Fees | 0.258%Above | 61 | |
40 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $6,330Fees | 0.152%Below | 25 | |
41 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $1,917Fees | 0.185%Above | 158 | |
42 | SOUTHEAST MORTGAGE OF GEORGIA, INC.Independent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $3,415Fees | 0.563%Above | 48 |
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.