Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | FIRST CONTINENTAL MORTGAGE, LTD.Independent Mortgage Company | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $52Credit | 0.563%Below | 79 | |
2 | JET HOMELOANS, LPIndependent Mortgage Company | Exceptional | Exceptional | Strong | Exceptional | Sound | $2,366Fees | 0.430%Below | 15 | |
3 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,182Fees | 0.004%Above | 513 | |
4 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Exceptional | $2,769Fees | 0.047%Above | 197 | |
5 | BANKSOUTH MORTGAGE COMPANY, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $4,794Fees | 0.376%Above | 126 | |
6 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,117Fees | 0.009%Above | 86 | |
7 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,613Fees | 0.045%Above | 91 | |
8 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,019Fees | 0.199%Above | 591 | |
9 | Ameris BankBank | Strong | Sound | Exceptional | Strong | Strong | $3,219Fees | 0.237%Above | 95 | |
10 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $3,655Fees | 0.130%Above | 90 | |
11 | Plains Commerce BankBank | Strong | Sound | Exceptional | Strong | Strong | $3,766Fees | 0.343%Above | 78 | |
12 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $4,607Fees | 0.094%Above | 69 | |
13 | Truist BankBank | Strong | Strong | Strong | Sound | Strong | $1,513Fees | 0.268%Above | 60 | |
14 | Renasant BankBank | Strong | Sound | Exceptional | Strong | Strong | $4,674Fees | 0.065%Above | 44 | |
15 | COLONY BANKBank | Strong | Sound | Strong | Exceptional | Strong | $3,210Fees | 0.173%Above | 42 | |
16 | TOWNE MORTGAGE COMPANYIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | Sound | $3,888Fees | 0.483%Above | 26 | |
17 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,640Fees | 0.330%Above | 184 | |
18 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,094Fees | 0.338%Above | 176 | |
19 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,262Fees | 0.253%Above | 82 | |
20 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,523Fees | 0.430%Above | 31 | |
21 | EMM LOANS LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,140Fees | 0.299%Above | 30 | |
22 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $1,782Fees | 0.481%Above | 20 | |
23 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Exceptional | $3,535Fees | 0.626%Above | 285 | |
24 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Sound | Strong | $2,049Fees | 0.130%Above | 109 | |
25 | LoanUnited.com, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $2,444Fees | 0.195%Below | 31 | |
26 | Magnolia Bank, IncorporatedBank | Strong | Sound | Strong | Strong | Sound | $2,526Fees | 0.215%Above | 31 | |
27 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Sound | $3,022Fees | 0.498%Above | 27 | |
28 | LOANSTEADY LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Sound | $3,161Fees | 0.209%Above | 23 | |
29 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,124Fees | 0.210%Above | 44 | |
30 | CANOPY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $4,295Fees | 0.390%Above | 37 | |
31 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $1,064Fees | 0.427%Above | 26 | |
32 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $4,422Fees | 0.422%Above | 20 | |
33 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $1,761Fees | 0.254%Above | 19 | |
34 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $4,153Fees | 0.199%Below | 17 | |
35 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Sound | Exceptional | $2,673Fees | 0.380%Above | 566 | |
36 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $2,647Fees | 0.427%Above | 46 | |
37 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $2,585Fees | 0.235%Above | 24 | |
38 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $2,820Fees | 0.776%Above | 24 | |
39 | SUMMIT FUNDING, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Sound | $5,353Fees | 0.744%Above | 22 | |
40 | SOUTHPOINT FINANCIAL SERVICES, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Sound | $5,663Fees | 0.652%Above | 21 | |
41 | AMERISAVE MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $3,501Fees | 0.828%Above | 20 | |
42 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $4,086Fees | 0.265%Above | 30 | |
43 | MILEND, INC.Independent Mortgage Company | Sound | Mediocre | Strong | Sound | Sound | $5,221Fees | 0.786%Above | 13 |
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.