Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,852Fees | 0.090%Above | 3,809 | |
2 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $3,166Fees | 0.363%Above | 1,879 | |
3 | FBC MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,259Fees | 0.629%Below | 931 | |
4 | First-Citizens Bank & Trust CompanyBank | Exceptional | Strong | Strong | Strong | Exceptional | $1,420Fees | 0.007%Above | 1,145 | |
5 | NEWREZ LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,529Fees | 0.438%Above | 510 | |
6 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,255Fees | 0.377%Above | 467 | |
7 | First Palmetto BankBank | Exceptional | Strong | Strong | Strong | Exceptional | $1,110Fees | 0.037%Above | 432 | |
8 | Ameris BankBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,896Fees | 0.184%Above | 1,480 | |
9 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,247Fees | 0.026%Above | 1,302 | |
10 | United Community BankBank | Exceptional | Strong | Strong | Strong | Strong | $2,342Fees | 0.377%Above | 225 | |
11 | Alcova Mortgage LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,512Fees | 0.427%Above | 200 | |
12 | First Heritage Mortgage, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $2,577Fees | 0.146%Above | 1,089 | |
13 | Renasant BankBank | Strong | Sound | Exceptional | Strong | Strong | $2,335Fees | 0.237%Above | 432 | |
14 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,890Fees | 0.484%Above | 189 | |
15 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,889Fees | 0.218%Above | 1,294 | |
16 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,090Fees | 0.491%Above | 929 | |
17 | RESOURCE FINANCIAL SERVICES, INC.Independent Mortgage Company | Strong | Sound | Strong | Sound | Exceptional | $2,429Fees | 0.304%Above | 695 | |
18 | First Reliance BankBank | Strong | Strong | Sound | Acceptable | Exceptional | $1,719Fees | 0.106%Above | 679 | |
19 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Sound | Strong | $2,228Fees | 0.285%Above | 476 | |
20 | CountybankBank | Strong | Sound | — | Strong | Exceptional | $1,868Fees | 0.277%Above | 322 | |
21 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $2,542Fees | 0.255%Above | 285 | |
22 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Exceptional | $2,633Fees | 0.177%Below | 1,553 | |
23 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,617Fees | 0.378%Above | 253 | |
24 | Assurance Financial Group, L.L.C.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,672Fees | 0.434%Above | 229 | |
25 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $2,380Fees | 0.337%Above | 3,120 | |
26 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,602Fees | 0.538%Above | 1,294 | |
27 | SouthState Bank, National AssociationBank | Strong | Sound | Sound | Acceptable | Exceptional | $1,899Fees | 0.213%Above | 1,165 | |
28 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,369Fees | 0.525%Above | 1,062 | |
29 | ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,164Fees | 0.452%Above | 838 | |
30 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,072Fees | 0.595%Above | 622 | |
31 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,026Fees | 0.589%Above | 462 | |
32 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,243Fees | 0.641%Above | 214 | |
33 | ACOPIA, LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $3,657Fees | 0.338%Above | 326 | |
34 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Sound | Acceptable | Sound | Acceptable | Strong | $2,812Fees | 0.316%Above | 424 | |
35 | THE LOAN STORE, INC.Independent Mortgage Company | Sound | Acceptable | Sound | Acceptable | Strong | $2,459Fees | 0.207%Above | 311 | |
36 | GO MORTGAGE, LLCIndependent Mortgage Company | Sound | Mediocre | Sound | Acceptable | Strong | $3,859Fees | 0.607%Above | 192 |
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.