Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | American National Bank & TrustBank | Exceptional | Exceptional | Strong | Exceptional | Strong | $2,036Fees | 0.432%Above | 33 | |
2 | FIRST CONTINENTAL MORTGAGE, LTD.Independent Mortgage Company | Exceptional | Exceptional | Strong | Exceptional | Sound | $1,748Fees | 0.566%Below | 15 | |
3 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,807Fees | 0.204%Above | 157 | |
4 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $4,450Fees | 0.507%Above | 39 | |
5 | First United Bank and Trust CompanyBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,415Fees | 0.548%Above | 123 | |
6 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $1,655Fees | 0.164%Above | 22 | |
7 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,432Fees | 0.255%Below | 177 | |
8 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,924Fees | 0.429%Above | 146 | |
9 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,826Fees | 0.556%Above | 156 | |
10 | BROOKHOLLOW MORTGAGE SERVICES, LTD.Independent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $6,716Fees | 0.513%Above | 23 | |
11 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,030Fees | 0.478%Above | 11 | |
12 | AMERICAN PORTFOLIO MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,574Fees | 0.669%Above | 52 | |
13 | SFMC, LPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $5,036Fees | 0.514%Above | 51 | |
14 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,391Fees | 0.319%Above | 41 | |
15 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,077Fees | 0.124%Above | 40 | |
16 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Sound | Strong | $2,200Fees | 0.377%Above | 36 | |
17 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $4,375Fees | 0.612%Above | 27 | |
18 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD.Independent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,899Fees | 0.428%Above | 35 | |
19 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,168Fees | 0.529%Above | 18 | |
20 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,449Fees | 1.212%Above | 11 | |
21 | CANOPY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,465Fees | 0.611%Above | 10 | |
22 | EVERETT FINANCIAL, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Sound | $5,163Fees | 0.680%Above | 16 | |
23 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $5,713Fees | 0.890%Above | 25 | |
24 | SUCCESS MORTGAGE PARTNERS, INC.Independent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $4,817Fees | 0.713%Above | 10 | |
25 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Sound | $4,147Fees | 0.685%Above | 23 |
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.