Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | FCB BanksBank | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $714Fees | 0.085%Below | 642 | |
2 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,118Fees | 0.519%Above | 2,800 | |
3 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,198Fees | 0.313%Above | 1,857 | |
4 | GERSHMAN INVESTMENT CORP.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,367Fees | 0.555%Above | 709 | |
5 | First State Bank of St. Charles, MissouriBank | Exceptional | Strong | Strong | Strong | Exceptional | $1,306Fees | 0.165%Above | 646 | |
6 | United Community BankBank | Exceptional | Exceptional | Strong | Sound | Strong | $155Fees | 0.176%Above | 137 | |
7 | FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,224Fees | 0.392%Above | 1,380 | |
8 | The Central Trust BankBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $889Fees | 0.305%Above | 632 | |
9 | Carrollton BankBank | Exceptional | Strong | — | Strong | Exceptional | $828Fees | 0.169%Above | 589 | |
10 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,071Fees | 0.520%Above | 344 | |
11 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $2,077Fees | 0.654%Above | 1,836 | |
12 | DAS Acquisition Company, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $1,824Fees | 0.649%Above | 1,731 | |
13 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $2,010Fees | 0.567%Above | 470 | |
14 | DELMAR FINANCIAL COMPANYIndependent Mortgage Company | Sound | Acceptable | Sound | Acceptable | Exceptional | $1,369Fees | 0.341%Above | 1,006 |
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.