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 | Exceptional | $205Fees | 0.342%Below | 200 | |
2 | Origin BankBank | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $744Fees | 0.188%Above | 176 | |
3 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,120Fees | 0.197%Above | 191 | |
4 | Red River BankBank | Exceptional | Exceptional | Strong | Strong | Exceptional | $902Fees | 0.122%Below | 103 | |
5 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $361Fees | 0.437%Below | 87 | |
6 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,926Fees | 0.440%Above | 160 | |
7 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,589Fees | 0.313%Above | 50 | |
8 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,480Fees | 0.256%Below | 50 | |
9 | PLANET HOME LENDING, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,809Fees | 0.707%Above | 129 | |
10 | STANDARD MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Strong | Strong | Strong | $1,395Fees | 0.023%Above | 62 | |
11 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $1,957Fees | 0.244%Below | 17 | |
12 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $2,194Fees | 0.472%Above | 17 | |
13 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,529Fees | 0.352%Above | 164 | |
14 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,096Fees | 0.438%Above | 42 | |
15 | USAA Federal Savings BankBank | Strong | Strong | Exceptional | Sound | Sound | $1,318Fees | 0.235%Below | 28 | |
16 | Trustmark National BankBank | Strong | Sound | Exceptional | Exceptional | Sound | $2,717Fees | 0.378%Above | 14 | |
17 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,878Fees | 0.495%Above | 123 | |
18 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,510Fees | 0.706%Above | 60 | |
19 | FIDELITY BANKBank | Strong | Acceptable | Strong | Strong | Exceptional | $2,574Fees | 0.484%Above | 129 | |
20 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,368Fees | 0.685%Above | 94 | |
21 | Assurance Financial Group, L.L.C.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $1,928Fees | 0.506%Above | 85 | |
22 | Synergy One Lending, Inc.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $1,715Fees | 0.271%Above | 49 | |
23 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $1,435Fees | 0.501%Above | 37 | |
24 | BARKSDALECredit Union | Sound | Sound | Acceptable | Mediocre | Exceptional | $1,974Fees | 0.340%Above | 59 | |
25 | NEW DAY FINANCIAL, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Sound | $3,687Fees | 1.553%Above | 13 | |
26 | The Federal Savings BankBank | Sound | Mediocre | Exceptional | Sound | Sound | $1,698Fees | 0.870%Above | 11 |
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.