Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | FBC MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Exceptional | Exceptional | Exceptional | Exceptional | $1,259Fees | 0.629%Below | 931 | |
2 | VELOCIO MORTGAGE L.L.C.Independent Mortgage Company | Exceptional | Exceptional | Exceptional | Exceptional | Strong | $871Fees | 0.932%Below | 399 | |
3 | JET HOMELOANS, LPIndependent Mortgage Company | Exceptional | Exceptional | Exceptional | Exceptional | Strong | $2,856Fees | 0.026%Below | 250 | |
4 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,852Fees | 0.090%Above | 3,809 | |
5 | Ameris BankBank | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,896Fees | 0.184%Above | 1,480 | |
6 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $3,247Fees | 0.026%Above | 1,302 | |
7 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Exceptional | $1,122Fees | 0.504%Below | 1,017 | |
8 | NBKC BANKBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $475Fees | 0.156%Below | 214 | |
9 | First-Citizens Bank & Trust CompanyBank | Exceptional | Exceptional | Strong | Sound | Exceptional | $1,420Fees | 0.007%Above | 1,145 | |
10 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,197Fees | 0.153%Above | 1,011 | |
11 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,464Fees | 0.270%Above | 782 | |
12 | First Palmetto BankBank | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,110Fees | 0.037%Above | 432 | |
13 | Fifth Third Bank, National AssociationBank | Exceptional | Exceptional | Strong | Strong | Strong | $174Fees | 0.026%Below | 416 | |
14 | First Federal BankBank | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,907Fees | 0.016%Below | 297 | |
15 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,380Fees | 0.337%Above | 3,120 | |
16 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,889Fees | 0.218%Above | 1,294 | |
17 | SouthState Bank, National AssociationBank | Exceptional | Strong | Strong | Strong | Exceptional | $1,899Fees | 0.213%Above | 1,165 | |
18 | First Heritage Mortgage, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,577Fees | 0.146%Above | 1,089 | |
19 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Exceptional | $1,981Fees | 0.078%Above | 919 | |
20 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,554Fees | 0.347%Above | 814 | |
21 | First Reliance BankBank | Exceptional | Strong | Strong | Strong | Exceptional | $1,719Fees | 0.106%Above | 679 | |
22 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,798Fees | 0.017%Above | 560 | |
23 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,812Fees | 0.316%Above | 424 | |
24 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,542Fees | 0.255%Above | 285 | |
25 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,633Fees | 0.582%Above | 270 | |
26 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $458Fees | 0.112%Above | 238 | |
27 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,633Fees | 0.177%Below | 1,553 | |
28 | RESOURCE FINANCIAL SERVICES, INC.Independent Mortgage Company | Exceptional | Sound | Strong | Exceptional | Exceptional | $2,429Fees | 0.304%Above | 695 | |
29 | Truist BankBank | Exceptional | Strong | Strong | Sound | Exceptional | $1,077Fees | 0.109%Above | 628 | |
30 | Southern First BankBank | Exceptional | Strong | Strong | Sound | Exceptional | $1,788Fees | 0.221%Above | 517 | |
31 | Gateway First BankBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,453Fees | 0.491%Above | 507 | |
32 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,255Fees | 0.377%Above | 467 | |
33 | Renasant BankBank | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,335Fees | 0.237%Above | 432 | |
34 | USAA Federal Savings BankBank | Exceptional | Strong | Exceptional | Sound | Strong | $1,815Fees | 0.150%Below | 328 | |
35 | American Security Mortgage Corp.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,041Fees | 0.138%Above | 242 | |
36 | United Community BankBank | Exceptional | Strong | Strong | Strong | Strong | $2,342Fees | 0.377%Above | 225 | |
37 | Synovus BankBank | Exceptional | Strong | Strong | Strong | Strong | $1,567Fees | 0.081%Above | 172 | |
38 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,996Fees | 0.306%Above | 5,799 | |
39 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,369Fees | 0.525%Above | 1,062 | |
40 | ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,164Fees | 0.452%Above | 838 | |
41 | Wells Fargo Bank, National AssociationBank | Strong | Sound | Exceptional | Sound | Exceptional | $1,976Fees | 0.087%Above | 811 | |
42 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,529Fees | 0.438%Above | 510 | |
43 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $2,228Fees | 0.285%Above | 476 | |
44 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,459Fees | 0.207%Above | 311 | |
45 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,169Fees | 0.168%Above | 305 | |
46 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,890Fees | 0.484%Above | 189 | |
47 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,166Fees | 0.363%Above | 1,879 | |
48 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,931Fees | 0.566%Above | 1,646 | |
49 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,602Fees | 0.538%Above | 1,294 |
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.