Safe Rate Rankings
Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,247Fees | 0.131%Below | 108 | |
2 | BANKSOUTH MORTGAGE COMPANY, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,463Fees | 0.194%Above | 85 | |
3 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,026Fees | 0.134%Above | 33 | |
4 | Ameris BankBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,648Fees | 0.123%Above | 201 | |
5 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,764Fees | 0.397%Above | 128 | |
6 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,867Fees | 0.533%Above | 110 | |
7 | COLONY BANKBank | Strong | Sound | Strong | Exceptional | Strong | $1,524Fees | 0.464%Above | 24 | |
8 | Synovus BankBank | Strong | Strong | Strong | Strong | Sound | $2,390Fees | 0.229%Above | 17 | |
9 | Renasant BankBank | Strong | Sound | Exceptional | Strong | Sound | $3,076Fees | 0.056%Below | 26 | |
10 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Sound | $3,029Fees | 0.221%Above | 19 | |
11 | STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $693Fees | 0.468%Above | 24 | |
12 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $1,259Fees | 0.150%Above | 14 | |
13 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,703Fees | 1.263%Above | 13 | |
14 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $3,966Fees | 0.531%Above | 18 | |
15 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Sound | $3,196Fees | 0.843%Above | 21 |
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.