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 | Strong | $2,346Fees | 0.286%Above | 275 | |
2 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $3,399Fees | 0.235%Above | 4,381 | |
3 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,936Fees | 0.019%Above | 711 | |
4 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $805Fees | 0.527%Below | 398 | |
5 | TRAILBLAZER MORTGAGE L.L.C.Independent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Strong | $1,786Fees | 1.030%Below | 232 | |
6 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Strong | $1,369Fees | 0.896%Below | 127 | |
7 | First Horizon BankBank | Exceptional | Exceptional | Strong | Strong | Strong | $1,217Fees | 0.049%Above | 112 | |
8 | M/I FINANCIAL, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $4,460Fees | 0.221%Below | 505 | |
9 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,356Fees | 0.185%Above | 402 | |
10 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $3,336Fees | 0.115%Above | 326 | |
11 | MATTAMY HOME FUNDING, LLCIndependent Mortgage Company | Exceptional | Strong | Strong | Exceptional | Strong | $895Fees | 0.449%Above | 230 | |
12 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,374Fees | 0.035%Below | 182 | |
13 | GERSHMAN INVESTMENT CORP.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $3,155Fees | 0.432%Above | 170 | |
14 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $3,548Fees | 0.743%Above | 159 | |
15 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $3,304Fees | 0.279%Above | 144 | |
16 | KIND LENDING, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,472Fees | 0.309%Above | 144 | |
17 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,883Fees | 0.034%Above | 524 | |
18 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $2,431Fees | 0.162%Above | 479 | |
19 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,728Fees | 0.445%Above | 278 | |
20 | SouthState Bank, National AssociationBank | Exceptional | Strong | Strong | Strong | Strong | $3,170Fees | 0.286%Above | 107 | |
21 | HANCOCK WHITNEY BANKBank | Exceptional | Strong | Strong | Strong | Strong | $1,788Fees | 0.027%Below | 105 | |
22 | USAA Federal Savings BankBank | Exceptional | Strong | Exceptional | Sound | Strong | $1,778Fees | 0.226%Below | 97 | |
23 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,496Fees | 0.256%Above | 2,421 | |
24 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,943Fees | 0.321%Below | 564 | |
25 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,662Fees | 0.326%Above | 468 | |
26 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,982Fees | 0.572%Above | 276 | |
27 | Truist BankBank | Strong | Strong | Strong | Sound | Strong | $697Fees | 0.064%Above | 257 | |
28 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,523Fees | 0.292%Above | 193 | |
29 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $3,291Fees | 0.435%Above | 174 | |
30 | Plains Commerce BankBank | Strong | Sound | Exceptional | Strong | Strong | $2,916Fees | 0.527%Above | 153 | |
31 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,379Fees | 0.087%Above | 125 | |
32 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,956Fees | 0.467%Above | 717 | |
33 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,747Fees | 0.461%Above | 400 | |
34 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,820Fees | 0.331%Above | 254 | |
35 | JMAC LENDING, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $3,035Fees | 0.264%Above | 118 | |
36 | RMC HOME MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $4,488Fees | 0.348%Above | 116 | |
37 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,580Fees | 0.306%Above | 84 | |
38 | MICHIGAN MUTUAL, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $3,094Fees | 0.461%Above | 72 | |
39 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,610Fees | 0.687%Above | 530 | |
40 | Regions BankBank | Strong | Sound | Strong | Sound | Strong | $2,215Fees | 0.111%Above | 413 | |
41 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,925Fees | 0.386%Above | 338 | |
42 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,807Fees | 0.509%Above | 260 | |
43 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,698Fees | 0.298%Above | 236 | |
44 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,886Fees | 0.304%Above | 185 | |
45 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,742Fees | 0.354%Above | 122 | |
46 | GoodLeap, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $3,871Fees | 0.246%Below | 86 | |
47 | EMBRACE HOME LOANS, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $4,448Fees | 0.624%Above | 168 | |
48 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $3,698Fees | 0.843%Above | 138 | |
49 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $5,122Fees | 0.335%Above | 137 | |
50 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $3,453Fees | 0.356%Above | 98 |
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.