Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Patriot BankBank | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $1,307Fees | 0.022%Below | 400 | |
2 | Simmons BankBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,688Fees | 0.539%Above | 297 | |
3 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $3,239Fees | 0.043%Above | 5,664 | |
4 | Leaders Credit UnionCredit Union | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,074Fees | 0.308%Above | 727 | |
5 | Cadence BankBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,254Fees | 0.049%Above | 681 | |
6 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,431Fees | 0.321%Above | 2,186 | |
7 | COMMUNITY MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,874Fees | 0.231%Above | 891 | |
8 | NEWREZ LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,587Fees | 0.304%Above | 624 | |
9 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,259Fees | 0.321%Above | 559 | |
10 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $3,612Fees | 0.434%Above | 308 | |
11 | First Citizens National BankBank | Exceptional | Strong | Strong | Strong | Exceptional | $1,042Fees | 0.024%Below | 291 | |
12 | MORTGAGE INVESTORS GROUP, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,627Fees | 0.221%Above | 3,320 | |
13 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,492Fees | 0.344%Above | 3,095 | |
14 | United Community BankBank | Exceptional | Strong | Strong | Strong | Strong | $2,082Fees | 0.398%Above | 264 | |
15 | Renasant BankBank | Strong | Sound | Exceptional | Strong | Strong | $2,823Fees | 0.185%Above | 516 | |
16 | The First National Bank of Middle TennesseeBank | Strong | Sound | Strong | Strong | Exceptional | $2,553Fees | 0.193%Above | 371 | |
17 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,097Fees | 0.583%Above | 330 | |
18 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,642Fees | 0.471%Above | 186 | |
19 | FirstBankBank | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,165Fees | 0.231%Above | 1,926 | |
20 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,893Fees | 0.189%Above | 1,333 | |
21 | SWBC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,203Fees | 0.237%Above | 646 | |
22 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Sound | Strong | $2,566Fees | 0.301%Above | 349 | |
23 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Exceptional | $1,961Fees | 0.546%Above | 2,392 | |
24 | Regions BankBank | Strong | Acceptable | Exceptional | Sound | Exceptional | $1,655Fees | 0.392%Above | 1,429 | |
25 | Primis Mortgage CompanyIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $3,470Fees | 0.345%Above | 649 | |
26 | STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,754Fees | 0.372%Above | 635 | |
27 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,481Fees | 0.492%Above | 418 | |
28 | Legends BankBank | Strong | Sound | Sound | Sound | Exceptional | $2,687Fees | 0.107%Above | 342 | |
29 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,027Fees | 0.739%Above | 334 | |
30 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,330Fees | 0.504%Above | 290 | |
31 | Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,698Fees | 0.465%Above | 212 | |
32 | VAN DYK MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,272Fees | 0.342%Above | 194 | |
33 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $2,986Fees | 0.291%Above | 2,263 | |
34 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,843Fees | 0.393%Above | 1,245 | |
35 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,468Fees | 0.584%Above | 1,205 | |
36 | SmartBankBank | Strong | Sound | — | Sound | Strong | $1,241Fees | 0.194%Above | 245 | |
37 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,705Fees | 0.505%Above | 916 | |
38 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,707Fees | 0.384%Above | 855 | |
39 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,763Fees | 0.425%Above | 600 | |
40 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,730Fees | 0.408%Above | 399 | |
41 | PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,136Fees | 0.415%Above | 253 | |
42 | WILSON BANK AND TRUSTBank | Sound | Mediocre | — | Strong | Exceptional | $1,975Fees | 0.298%Above | 560 | |
43 | Click n' Close, Inc.Independent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $5,015Fees | 1.716%Above | 211 | |
44 | ISERVE RESIDENTIAL LENDING, LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $3,898Fees | 0.321%Above | 199 |
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.