Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | DSLD MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Exceptional | Exceptional | Exceptional | $205Fees | 0.342%Below | 200 | |
2 | Red River BankBank | Exceptional | Exceptional | Strong | Exceptional | $902Fees | 0.122%Below | 103 | |
3 | Origin BankBank | Exceptional | Strong | Strong | Exceptional | $744Fees | 0.188%Above | 176 | |
4 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Sound | Strong | $361Fees | 0.437%Below | 87 | |
5 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $2,120Fees | 0.197%Above | 191 | |
6 | Home Federal BankBank | Strong | Strong | Sound | Exceptional | $1,025Fees | 0.128%Above | 84 | |
7 | Cadence BankBank | Strong | Sound | Strong | Exceptional | $1,764Fees | 0.440%Above | 96 | |
8 | STANDARD MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Strong | Sound | Strong | $1,395Fees | 0.023%Above | 62 | |
9 | ANECA Federal Credit UnionCredit Union | Strong | Strong | Sound | Strong | $2,421Fees | 0.014%Below | 41 | |
10 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,529Fees | 0.352%Above | 164 | |
11 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $1,926Fees | 0.440%Above | 160 | |
12 | PLANET HOME LENDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $2,809Fees | 0.707%Above | 129 | |
13 | Assurance Financial Group, L.L.C.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $1,928Fees | 0.506%Above | 85 | |
14 | Regions BankBank | Strong | Sound | Strong | Strong | $1,516Fees | 0.450%Above | 70 | |
15 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Strong | $1,686Fees | 0.628%Above | 57 | |
16 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | $1,589Fees | 0.313%Above | 50 | |
17 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Strong | $1,480Fees | 0.256%Below | 50 | |
18 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $2,982Fees | 0.769%Above | 33 | |
19 | FIDELITY BANKBank | Strong | Acceptable | Strong | Exceptional | $2,574Fees | 0.484%Above | 129 | |
20 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $2,878Fees | 0.495%Above | 123 | |
21 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,368Fees | 0.685%Above | 94 | |
22 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,510Fees | 0.706%Above | 60 | |
23 | BARKSDALECredit Union | Strong | Sound | Mediocre | Exceptional | $1,974Fees | 0.340%Above | 59 | |
24 | Synergy One Lending, Inc.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $1,715Fees | 0.271%Above | 49 | |
25 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $1,435Fees | 0.501%Above | 37 | |
26 | USAA Federal Savings BankBank | Strong | Sound | Sound | Sound | $1,318Fees | 0.235%Below | 28 | |
27 | NEWREZ LLCIndependent Mortgage Company | Sound | Acceptable | Sound | Strong | $1,096Fees | 0.438%Above | 42 | |
28 | AMERICAN PORTFOLIO MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Acceptable | Strong | Sound | $2,824Fees | 0.489%Above | 20 |
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.