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 | $871Fees | 0.932%Below | 399 | |
2 | First Heritage Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,577Fees | 0.146%Above | 1,089 | |
3 | FBC MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $1,259Fees | 0.629%Below | 931 | |
4 | JET HOMELOANS, LPIndependent Mortgage Company | Exceptional | Exceptional | Strong | Exceptional | Strong | $2,856Fees | 0.026%Below | 250 | |
5 | First-Citizens Bank & Trust CompanyBank | Exceptional | Exceptional | Strong | Sound | Exceptional | $1,420Fees | 0.007%Above | 1,145 | |
6 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,197Fees | 0.153%Above | 1,011 | |
7 | First Reliance BankBank | Exceptional | Exceptional | Sound | Strong | Exceptional | $1,719Fees | 0.106%Above | 679 | |
8 | First Palmetto BankBank | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,110Fees | 0.037%Above | 432 | |
9 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,852Fees | 0.090%Above | 3,809 | |
10 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,247Fees | 0.026%Above | 1,302 | |
11 | SouthState Bank, National AssociationBank | Exceptional | Strong | Strong | Strong | Exceptional | $1,899Fees | 0.213%Above | 1,165 | |
12 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,255Fees | 0.377%Above | 467 | |
13 | NBKC BANKBank | Exceptional | Exceptional | Strong | Sound | Strong | $475Fees | 0.156%Below | 214 | |
14 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,633Fees | 0.177%Below | 1,553 | |
15 | Ameris BankBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,896Fees | 0.184%Above | 1,480 | |
16 | Truist BankBank | Exceptional | Strong | Strong | Sound | Exceptional | $1,077Fees | 0.109%Above | 628 | |
17 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $1,798Fees | 0.017%Above | 560 | |
18 | Southern First BankBank | Exceptional | Strong | Strong | Sound | Exceptional | $1,788Fees | 0.221%Above | 517 | |
19 | Fifth Third Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $174Fees | 0.026%Below | 416 | |
20 | First Federal BankBank | Exceptional | Strong | Strong | Strong | Strong | $1,907Fees | 0.016%Below | 297 | |
21 | American Security Mortgage Corp.Independent Mortgage Company | Exceptional | Strong | Strong | Strong | Strong | $2,041Fees | 0.138%Above | 242 | |
22 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $458Fees | 0.112%Above | 238 | |
23 | Synovus BankBank | Exceptional | Strong | Strong | Strong | Strong | $1,567Fees | 0.081%Above | 172 | |
24 | GoodLeap, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $4,059Fees | 0.015%Above | 164 | |
25 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,996Fees | 0.306%Above | 5,799 | |
26 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,889Fees | 0.218%Above | 1,294 | |
27 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,369Fees | 0.525%Above | 1,062 | |
28 | ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,164Fees | 0.452%Above | 838 | |
29 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $2,228Fees | 0.285%Above | 476 | |
30 | Renasant BankBank | Strong | Sound | Exceptional | Strong | Strong | $2,335Fees | 0.237%Above | 432 | |
31 | TD Bank, National AssociationBank | Strong | Strong | Strong | Sound | Strong | $617Fees | 0.228%Above | 379 | |
32 | CountybankBank | Strong | Sound | Strong | Strong | Exceptional | $1,868Fees | 0.277%Above | 322 | |
33 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,459Fees | 0.207%Above | 311 | |
34 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,542Fees | 0.255%Above | 285 | |
35 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,380Fees | 0.337%Above | 3,120 | |
36 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,166Fees | 0.363%Above | 1,879 | |
37 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,090Fees | 0.491%Above | 929 | |
38 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Sound | Exceptional | $1,981Fees | 0.078%Above | 919 | |
39 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,554Fees | 0.347%Above | 814 | |
40 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,464Fees | 0.270%Above | 782 | |
41 | Gateway First BankBank | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,453Fees | 0.491%Above | 507 | |
42 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,462Fees | 0.632%Above | 468 | |
43 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,026Fees | 0.589%Above | 462 | |
44 | Atlantic Coast Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,899Fees | 0.320%Above | 256 | |
45 | Assurance Financial Group, L.L.C.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,672Fees | 0.434%Above | 229 | |
46 | United Community BankBank | Strong | Sound | Strong | Strong | Strong | $2,342Fees | 0.377%Above | 225 | |
47 | DELMAR FINANCIAL COMPANYIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $2,572Fees | 0.286%Above | 216 | |
48 | Alcova Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,512Fees | 0.427%Above | 200 | |
49 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,456Fees | 0.568%Above | 161 |
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.