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 | Exceptional | Strong | $77Credit | 0.607%Below | 100 | |
2 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,420Fees | 0.070%Below | 518 | |
3 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Exceptional | $906Fees | 0.411%Below | 394 | |
4 | University BankBank | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,533Fees | 0.101%Above | 313 | |
5 | FBC MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Exceptional | Exceptional | Exceptional | Sound | $578Fees | 1.094%Below | 42 | |
6 | Ameris BankBank | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,808Fees | 0.203%Above | 78 | |
7 | FIRST COLONY MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,129Fees | 0.181%Below | 50 | |
8 | NBKC BANKBank | Exceptional | Exceptional | Exceptional | Strong | Sound | $71Fees | 0.380%Below | 28 | |
9 | SWBC MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,287Fees | 0.345%Above | 329 | |
10 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,308Fees | 0.250%Above | 236 | |
11 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,329Fees | 0.095%Below | 119 | |
12 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $4,597Fees | 0.272%Above | 104 | |
13 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,736Fees | 0.237%Below | 71 | |
14 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,163Fees | 0.343%Above | 196 | |
15 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $927Fees | 0.107%Below | 156 | |
16 | Synovus BankBank | Exceptional | Strong | Strong | Strong | Strong | $1,511Fees | 0.032%Above | 79 | |
17 | USAA Federal Savings BankBank | Exceptional | Strong | Exceptional | Sound | Strong | $1,975Fees | 0.247%Below | 70 | |
18 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,982Fees | 0.257%Above | 59 | |
19 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $1,827Fees | 0.163%Below | 43 | |
20 | City National Bank of FloridaBank | Exceptional | Exceptional | Sound | Strong | Sound | $1,793Fees | 0.016%Below | 29 | |
21 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $1,822Fees | 0.194%Above | 23 | |
22 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,158Fees | 0.269%Above | 561 | |
23 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,600Fees | 0.055%Above | 66 | |
24 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,830Fees | 0.198%Above | 61 | |
25 | TOWNE MORTGAGE COMPANYIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | Sound | $2,002Fees | 0.022%Below | 28 | |
26 | Trustmark National BankBank | Strong | Sound | Exceptional | Exceptional | Sound | $1,935Fees | 0.225%Above | 20 | |
27 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,580Fees | 0.548%Above | 268 | |
28 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,063Fees | 0.662%Above | 178 | |
29 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $1,447Fees | 0.123%Below | 47 | |
30 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Sound | $1,384Fees | 0.275%Above | 31 | |
31 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,269Fees | 0.303%Above | 25 | |
32 | Plains Commerce BankBank | Strong | Sound | Exceptional | Strong | Sound | $3,406Fees | 0.280%Below | 20 | |
33 | Regions BankBank | Strong | Sound | Strong | Sound | Strong | $2,143Fees | 0.277%Above | 149 | |
34 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,202Fees | 0.561%Above | 70 | |
35 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,465Fees | 0.258%Above | 61 | |
36 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $2,389Fees | 0.634%Above | 21 | |
37 | LoanUnited.com, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Sound | $2,743Fees | 0.431%Below | 17 | |
38 | COASTAL LOANS, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $4,966Fees | 0.084%Above | 93 | |
39 | FIDELITY BANKBank | Strong | Acceptable | Strong | Strong | Strong | $4,597Fees | 0.534%Above | 71 | |
40 | SOUTHEAST MORTGAGE OF GEORGIA, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $3,415Fees | 0.563%Above | 48 | |
41 | MORTGAGE SOLUTIONS OF COLORADO, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,756Fees | 0.791%Above | 29 | |
42 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $1,892Fees | 0.499%Above | 24 | |
43 | DAS Acquisition Company, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,085Fees | 1.014%Above | 21 | |
44 | LAKEVIEW LOAN SERVICING, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Sound | $385Fees | 0.118%Above | 20 | |
45 | THE MORTGAGE FIRM, INC.Independent Mortgage Company | Strong | Mediocre | Strong | Strong | Exceptional | $3,432Fees | 0.604%Above | 267 | |
46 | PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,400Fees | 0.622%Above | 67 | |
47 | GARDNER FINANCIAL SERVICES, LTD.Independent Mortgage Company | Strong | Mediocre | Strong | Exceptional | Strong | $4,276Fees | 0.823%Above | 48 | |
48 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $4,277Fees | 0.328%Above | 40 | |
49 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $6,330Fees | 0.152%Below | 25 |
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.