Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Truist BankBank | Exceptional | Exceptional | Exceptional | Sound | Exceptional | $1,487Fees | 0.238%Above | 366 | |
2 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,564Fees | 0.346%Above | 467 | |
3 | HOMESPIRE MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,233Fees | 0.236%Above | 309 | |
4 | NEWREZ LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,355Fees | 0.513%Above | 97 | |
5 | Alcova Mortgage LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,158Fees | 0.723%Above | 175 | |
6 | The Huntington National BankBank | Strong | Sound | Exceptional | Sound | Exceptional | $417Fees | 0.321%Above | 586 | |
7 | C & F Mortgage CorporationIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | Strong | $3,139Fees | 0.481%Above | 47 | |
8 | WesBanco Bank, Inc.Bank | Strong | Sound | Strong | Sound | Exceptional | $1,769Fees | 0.053%Above | 565 | |
9 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,401Fees | 0.367%Above | 417 | |
10 | Gateway First BankBank | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,970Fees | 0.637%Above | 270 | |
11 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Sound | Strong | $2,392Fees | 0.373%Above | 75 | |
12 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Exceptional | $1,974Fees | 0.263%Above | 642 | |
13 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,335Fees | 0.738%Above | 184 | |
14 | Atlantic Union BankBank | Strong | Acceptable | Exceptional | Strong | Strong | $1,856Fees | 0.590%Above | 148 | |
15 | Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,613Fees | 0.441%Above | 101 | |
16 | STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,681Fees | 0.871%Above | 77 | |
17 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $2,559Fees | 0.527%Above | 662 | |
18 | Integrity Home Mortgage CorporationIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,298Fees | 0.521%Above | 414 | |
19 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,756Fees | 0.402%Above | 43 | |
20 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $1,966Fees | 0.886%Above | 42 | |
21 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,364Fees | 0.729%Above | 227 | |
22 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $2,771Fees | 1.157%Above | 129 | |
23 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $2,930Fees | 0.643%Above | 114 | |
24 | SUCCESS MORTGAGE PARTNERS, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,265Fees | 1.029%Above | 69 | |
25 | EMBRACE HOME LOANS, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Sound | $2,870Fees | 0.213%Above | 52 | |
26 | TIDEWATER MORTGAGE SERVICES, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Sound | $3,112Fees | 0.386%Above | 36 | |
27 | POLARIS HOME FUNDING CORP.Independent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $2,422Fees | 0.622%Above | 36 |
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.