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 | $612Fees | 0.852%Below | 184 | |
2 | North State BankBank | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,049Fees | 0.056%Below | 268 | |
3 | First-Citizens Bank & Trust CompanyBank | Exceptional | Exceptional | Strong | Sound | Exceptional | $1,572Fees | 0.130%Below | 363 | |
4 | MATTAMY HOME FUNDING, LLCIndependent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Strong | $1,229Fees | 0.703%Above | 185 | |
5 | First Heritage Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,342Fees | 0.280%Above | 177 | |
6 | JET HOMELOANS, LPIndependent Mortgage Company | Exceptional | Exceptional | Strong | Exceptional | Sound | $1,987Fees | 0.444%Below | 56 | |
7 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,482Fees | 0.050%Below | 1,409 | |
8 | American Security Mortgage Corp.Independent Mortgage Company | Exceptional | Strong | Strong | Strong | Exceptional | $1,970Fees | 0.103%Above | 403 | |
9 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $5,328Fees | 0.061%Above | 397 | |
10 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,006Fees | 0.263%Above | 313 | |
11 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,753Fees | 0.020%Below | 247 | |
12 | NBKC BANKBank | Exceptional | Exceptional | Strong | Sound | Strong | $350Fees | 0.215%Below | 94 | |
13 | FBC MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Sound | $3,016Fees | 0.247%Below | 52 | |
14 | Truist BankBank | Exceptional | Strong | Strong | Sound | Exceptional | $45Credit | 0.056%Below | 539 | |
15 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $1,943Fees | 0.070%Below | 280 | |
16 | Towne BankBank | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,376Fees | 0.312%Above | 208 | |
17 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,663Fees | 0.181%Above | 1,528 | |
18 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,585Fees | 0.399%Above | 517 | |
19 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,034Fees | 0.142%Below | 372 | |
20 | M/I FINANCIAL, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,623Fees | 0.084%Below | 263 | |
21 | Towne Mortgage of the Carolinas, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $3,010Fees | 0.200%Above | 224 | |
22 | CORPORATE INVESTORS MORTGAGE GROUP, INCIndependent Mortgage Company | Strong | Strong | Sound | Strong | Strong | $2,773Fees | 0.141%Above | 103 | |
23 | The Central Trust BankBank | Strong | Sound | Exceptional | Strong | Strong | $1,638Fees | 0.073%Above | 99 | |
24 | INTERCOASTAL MORTGAGE, LLCIndependent Mortgage Company | Strong | Strong | Strong | Strong | Sound | $2,077Fees | 0.475%Above | 56 | |
25 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,003Fees | 0.208%Above | 903 | |
26 | ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,282Fees | 0.314%Above | 185 | |
27 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,575Fees | 0.415%Above | 177 | |
28 | United Community BankBank | Strong | Sound | Strong | Strong | Strong | $2,629Fees | 0.242%Above | 174 | |
29 | CORNERSTONE CAPITAL BANK, SSBBank | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,948Fees | 0.300%Above | 159 | |
30 | Alcova Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,533Fees | 0.188%Above | 155 | |
31 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $1,536Fees | 0.315%Above | 151 | |
32 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,652Fees | 0.399%Above | 108 | |
33 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,717Fees | 0.066%Below | 103 | |
34 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,842Fees | 0.336%Above | 86 | |
35 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Sound | $2,444Fees | 0.196%Above | 69 | |
36 | Wells Fargo Bank, National AssociationBank | Strong | Sound | Strong | Sound | Strong | $1,919Fees | 0.006%Above | 306 | |
37 | ZILLOW HOME LOANS, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,537Fees | 0.224%Above | 284 | |
38 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $608Fees | 0.154%Below | 245 | |
39 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,514Fees | 0.147%Above | 220 | |
40 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,788Fees | 0.270%Above | 126 | |
41 | Primis Mortgage CompanyIndependent Mortgage Company | Strong | Sound | Strong | Strong | Sound | $2,590Fees | 0.181%Above | 52 | |
42 | DELMAR FINANCIAL COMPANYIndependent Mortgage Company | Strong | Sound | Strong | Strong | Sound | $2,550Fees | 0.361%Above | 50 | |
43 | FIRST HOME MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $3,200Fees | 0.355%Above | 223 | |
44 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $1,501Fees | 0.069%Below | 83 | |
45 | The Federal Savings BankBank | Strong | Acceptable | Exceptional | Sound | Strong | $4,009Fees | 0.715%Above | 69 | |
46 | SUMMIT FUNDING, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $3,213Fees | 0.396%Above | 62 | |
47 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,822Fees | 0.163%Above | 56 | |
48 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $1,910Fees | 0.025%Below | 52 | |
49 | Bank of America, National AssociationBank | Strong | Acceptable | Strong | Sound | Strong | $1,555Fees | 0.265%Below | 275 | |
50 | GoPrime Mortgage, Inc.Independent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $2,433Fees | 0.297%Above | 166 |
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.