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 | $1,938Credit | 0.399%Above | 46 | |
2 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $3,050Fees | 0.115%Below | 195 | |
3 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,160Fees | 0.441%Below | 86 | |
4 | FIRST COLONY MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,847Fees | 0.017%Below | 37 | |
5 | ServisFirst BankBank | Exceptional | Exceptional | Strong | Strong | Strong | $390Fees | 0.017%Below | 26 | |
6 | Synovus BankBank | Exceptional | Strong | Strong | Strong | Exceptional | $1,864Fees | 0.076%Below | 92 | |
7 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $563Fees | 0.670%Above | 54 | |
8 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,917Fees | 0.336%Above | 52 | |
9 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,208Fees | 0.114%Above | 47 | |
10 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,789Fees | 0.208%Below | 38 | |
11 | Ameris BankBank | Exceptional | Strong | Exceptional | Exceptional | Sound | $2,636Fees | 0.122%Above | 27 | |
12 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Sound | $3,956Fees | 0.069%Below | 16 | |
13 | ROBINS FINANCIALCredit Union | Exceptional | Strong | Sound | Strong | Exceptional | $1,647Fees | 0.233%Below | 147 | |
14 | USAA Federal Savings BankBank | Exceptional | Strong | Exceptional | Sound | Strong | $1,646Fees | 0.221%Below | 46 | |
15 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,706Fees | 0.256%Above | 349 | |
16 | ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,595Fees | 0.387%Above | 173 | |
17 | COLONY BANKBank | Strong | Sound | Strong | Strong | Exceptional | $1,661Fees | 0.314%Above | 117 | |
18 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,543Fees | 0.482%Above | 40 | |
19 | Renasant BankBank | Strong | Sound | Exceptional | Exceptional | Sound | $3,381Fees | 0.083%Above | 18 | |
20 | PENTAGON FEDERAL CREDIT UNIONCredit Union | Strong | Strong | Exceptional | Sound | Sound | $3,465Fees | 0.219%Below | 10 | |
21 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,380Fees | 0.489%Above | 238 | |
22 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,463Fees | 0.484%Above | 213 | |
23 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,297Fees | 0.672%Above | 52 | |
24 | Alcova Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,814Fees | 0.210%Above | 42 | |
25 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,769Fees | 0.298%Above | 18 | |
26 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,857Fees | 0.476%Above | 46 | |
27 | LoanUnited.com, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Sound | $2,570Fees | 0.424%Below | 27 | |
28 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,571Fees | 0.357%Above | 29 | |
29 | MORTGAGE SOLUTIONS OF COLORADO, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,448Fees | 0.336%Above | 15 | |
30 | CANOPY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $5,016Fees | 0.306%Above | 61 | |
31 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $3,943Fees | 0.523%Above | 15 | |
32 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $2,023Fees | 0.299%Above | 14 | |
33 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $2,281Fees | 0.455%Above | 84 | |
34 | NEW DAY FINANCIAL, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Sound | $3,554Fees | 1.328%Above | 26 | |
35 | The Federal Savings BankBank | Sound | Mediocre | Exceptional | Sound | Sound | $2,734Fees | 0.372%Above | 12 |
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.