Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | First National Bank of PennsylvaniaBank | Exceptional | Exceptional | Strong | Strong | Exceptional | $846Fees | 0.157%Above | 243 | |
2 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,827Fees | 0.011%Above | 240 | |
3 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,333Fees | 0.247%Above | 159 | |
4 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,400Fees | 0.256%Above | 94 | |
5 | First-Citizens Bank & Trust CompanyBank | Exceptional | Exceptional | Strong | Sound | Strong | $1,685Fees | 0.034%Above | 84 | |
6 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $4,146Fees | 0.139%Above | 129 | |
7 | Pinnacle BankBank | Exceptional | Strong | Strong | Strong | Strong | $1,931Fees | 0.152%Above | 87 | |
8 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $1,314Fees | 0.054%Above | 64 | |
9 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $2,571Fees | 0.257%Below | 54 | |
10 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $4,000Fees | 0.359%Above | 28 | |
11 | SOFI BANK, NATIONAL ASSOCIATIONBank | Exceptional | Exceptional | Strong | Sound | Sound | $753Fees | 0.161%Above | 21 | |
12 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,963Fees | 0.424%Above | 792 | |
13 | ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,605Fees | 0.460%Above | 604 | |
14 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,175Fees | 0.531%Above | 363 | |
15 | Truist BankBank | Strong | Strong | Strong | Sound | Strong | $750Fees | 0.195%Above | 179 | |
16 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,141Fees | 0.638%Above | 86 | |
17 | Ameris BankBank | Strong | Sound | Exceptional | Strong | Strong | $2,598Fees | 0.269%Above | 78 | |
18 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,954Fees | 0.252%Above | 76 | |
19 | GoodLeap, LLCIndependent Mortgage Company | Strong | Strong | Exceptional | Sound | Sound | $2,354Fees | 0.602%Above | 22 | |
20 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,637Fees | 0.365%Above | 353 | |
21 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,568Fees | 0.528%Above | 169 | |
22 | HOWARD HANNA FINANCIAL SERVICES, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $2,437Fees | 0.429%Above | 63 | |
23 | Atlantic Coast Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,044Fees | 0.382%Above | 58 | |
24 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Sound | $1,917Fees | 0.374%Above | 47 | |
25 | Blue Ridge Bank, National AssociationBank | Strong | Sound | Strong | Strong | Strong | $2,842Fees | 0.531%Above | 34 | |
26 | MICHIGAN MUTUAL, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $727Fees | 0.130%Above | 33 | |
27 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD.Independent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $3,357Fees | 0.157%Above | 265 | |
28 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,709Fees | 0.435%Above | 159 | |
29 | Wells Fargo Bank, National AssociationBank | Strong | Sound | Strong | Sound | Strong | $1,993Fees | 0.075%Above | 133 | |
30 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,080Fees | 0.292%Above | 115 | |
31 | CANOPY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,185Fees | 0.382%Above | 55 | |
32 | The Fidelity BankBank | Strong | Sound | Sound | Strong | Strong | $2,256Fees | 0.310%Above | 54 | |
33 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,231Fees | 0.614%Above | 31 | |
34 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Sound | $3,221Fees | 0.474%Above | 30 | |
35 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $3,627Fees | 1.199%Above | 179 | |
36 | ENVOY MORTGAGE, LTDIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $4,372Fees | 0.429%Above | 68 | |
37 | SUMMIT FUNDING, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $1,667Fees | 0.200%Above | 46 | |
38 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,105Fees | 0.505%Above | 44 | |
39 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,855Fees | 0.296%Above | 31 | |
40 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,838Fees | 0.634%Above | 30 | |
41 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,803Fees | 0.410%Above | 30 | |
42 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,747Fees | 0.152%Above | 24 | |
43 | MORTGAGE SOLUTIONS OF COLORADO, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,156Fees | 0.885%Above | 24 | |
44 | ZILLOW HOME LOANS, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,211Fees | 0.757%Above | 21 | |
45 | Integrity Home Mortgage CorporationIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,239Fees | 0.486%Above | 19 | |
46 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,259Fees | 1.288%Above | 18 | |
47 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,726Fees | 0.589%Above | 131 | |
48 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $3,280Fees | 0.628%Above | 30 | |
49 | AMERISAVE MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $3,765Fees | 0.475%Above | 27 | |
50 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $4,057Fees | 0.259%Above | 19 |
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.