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 | FBC MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Strong | $1,938Credit | 0.399%Above | 46 | |
2 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,050Fees | 0.115%Below | 195 | |
3 | Synovus BankBank | Exceptional | Strong | Strong | Strong | Exceptional | $1,864Fees | 0.076%Below | 92 | |
4 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,917Fees | 0.336%Above | 52 | |
5 | COLONY BANKBank | Exceptional | Sound | Strong | Exceptional | Exceptional | $1,661Fees | 0.314%Above | 117 | |
6 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $1,789Fees | 0.208%Below | 38 | |
7 | Cadence BankBank | Exceptional | Strong | Exceptional | Strong | Sound | $1,847Fees | 0.181%Above | 13 | |
8 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,706Fees | 0.256%Above | 349 | |
9 | ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,595Fees | 0.387%Above | 173 | |
10 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $563Fees | 0.670%Above | 54 | |
11 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,543Fees | 0.482%Above | 40 | |
12 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Exceptional | Sound | $3,956Fees | 0.069%Below | 16 | |
13 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,380Fees | 0.489%Above | 238 | |
14 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,297Fees | 0.672%Above | 52 | |
15 | Alcova Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,814Fees | 0.210%Above | 42 | |
16 | Ameris BankBank | Strong | Sound | Exceptional | Strong | Sound | $2,636Fees | 0.122%Above | 27 | |
17 | EMM LOANS LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $3,068Fees | 0.415%Above | 25 | |
18 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Sound | $2,280Fees | 0.382%Above | 13 | |
19 | GoodLeap, LLCIndependent Mortgage Company | Strong | Strong | Exceptional | Sound | Acceptable | $2,191Fees | 0.166%Above | 10 | |
20 | CANOPY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $5,016Fees | 0.306%Above | 61 | |
21 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,208Fees | 0.114%Above | 47 | |
22 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $2,380Fees | 0.322%Above | 20 | |
23 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,260Fees | 0.618%Above | 18 | |
24 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,023Fees | 0.299%Above | 14 | |
25 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $2,857Fees | 0.476%Above | 46 | |
26 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $3,943Fees | 0.523%Above | 15 | |
27 | AMERISAVE MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $4,596Fees | 0.653%Above | 14 | |
28 | EVERETT FINANCIAL, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Sound | $3,286Fees | 1.363%Above | 11 | |
29 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $2,281Fees | 0.455%Above | 84 | |
30 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $3,571Fees | 0.357%Above | 29 | |
31 | MILEND, INC.Independent Mortgage Company | Sound | Mediocre | Strong | Sound | Sound | $5,718Fees | 0.780%Above | 10 |
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.