Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Exceptional | $965Fees | 0.454%Below | 655 | |
2 | DSLD MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Exceptional | Exceptional | Strong | Strong | $83Fees | 0.462%Below | 291 | |
3 | GMFS LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,602Fees | 0.065%Above | 785 | |
4 | REDSTONE Federal Credit UnionCredit Union | Exceptional | Strong | Strong | Strong | Exceptional | $1,218Fees | 0.213%Above | 651 | |
5 | Truist BankBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,893Fees | 0.180%Above | 229 | |
6 | PNC Bank, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $637Fees | 0.205%Above | 214 | |
7 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $908Fees | 0.048%Above | 121 | |
8 | Trustmark National BankBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,799Fees | 0.253%Above | 1,916 | |
9 | FirstBankBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,257Fees | 0.159%Above | 1,072 | |
10 | Cadence BankBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,104Fees | 0.191%Above | 756 | |
11 | SouthState Bank, National AssociationBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,150Fees | 0.202%Above | 677 | |
12 | Wells Fargo Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $2,124Fees | 0.102%Above | 479 | |
13 | BankPlusBank | Exceptional | Strong | Strong | Strong | Strong | $1,307Fees | 0.035%Above | 158 | |
14 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,829Fees | 0.446%Above | 4,227 | |
15 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,862Fees | 0.120%Above | 3,461 | |
16 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Exceptional | $2,146Fees | 0.026%Below | 747 | |
17 | Synovus BankBank | Strong | Sound | Strong | Strong | Exceptional | $2,321Fees | 0.182%Above | 573 | |
18 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,163Fees | 0.416%Above | 549 | |
19 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,588Fees | 0.010%Above | 434 | |
20 | Heritage Mortgage, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $2,503Fees | 0.129%Below | 397 | |
21 | Ameris BankBank | Strong | Sound | Exceptional | Strong | Strong | $2,171Fees | 0.210%Above | 386 | |
22 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $2,411Fees | 0.134%Above | 371 | |
23 | ServisFirst BankBank | Strong | Sound | Strong | Strong | Exceptional | $1,853Fees | 0.169%Above | 316 | |
24 | First Horizon BankBank | Strong | Sound | Exceptional | Strong | Strong | $2,038Fees | 0.149%Above | 213 | |
25 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,622Fees | 0.387%Above | 201 | |
26 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Strong | Strong | Sound | Strong | $2,814Fees | 0.345%Above | 183 | |
27 | Listerhill Credit UnionCredit Union | Strong | Sound | Strong | Exceptional | Strong | $2,283Fees | 0.232%Above | 162 | |
28 | Colorado Federal Savings BankBank | Strong | Strong | Strong | Sound | Strong | $2,041Fees | 0.000%Above | 149 | |
29 | Tyndall Federal Credit UnionCredit Union | Strong | Sound | Strong | Exceptional | Strong | $1,320Fees | 0.165%Above | 141 | |
30 | Regions BankBank | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,815Fees | 0.363%Above | 1,890 | |
31 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,425Fees | 0.452%Above | 1,578 | |
32 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,656Fees | 0.422%Above | 1,445 | |
33 | Renasant BankBank | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,491Fees | 0.261%Above | 1,328 | |
34 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,107Fees | 0.392%Above | 1,317 | |
35 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Sound | Exceptional | $3,190Fees | 0.146%Above | 795 | |
36 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,101Fees | 0.274%Above | 767 | |
37 | STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,534Fees | 0.405%Above | 764 | |
38 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,128Fees | 0.427%Above | 750 | |
39 | TOWNE MORTGAGE COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,636Fees | 0.334%Above | 556 | |
40 | Bank IndependentBank | Strong | Acceptable | Strong | Exceptional | Exceptional | $2,807Fees | 0.168%Above | 292 | |
41 | AVADIANCredit Union | Strong | Sound | Sound | Strong | Exceptional | $1,467Fees | 0.075%Above | 291 | |
42 | ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,372Fees | 0.514%Above | 141 | |
43 | First Federal Bank, A FSBBank | Strong | Acceptable | Strong | Strong | Exceptional | $3,518Fees | 0.138%Above | 1,204 | |
44 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,338Fees | 0.480%Above | 672 | |
45 | Assurance Financial Group, L.L.C.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $3,218Fees | 0.568%Above | 550 | |
46 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,280Fees | 0.463%Above | 475 | |
47 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,052Fees | 0.297%Above | 463 | |
48 | Flagstar Bank, N.A.Bank | Strong | Acceptable | Exceptional | Strong | Strong | $2,031Fees | 0.284%Above | 403 | |
49 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,818Fees | 0.254%Above | 379 | |
50 | FIRST COLONY MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,083Fees | 0.097%Above | 322 |
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.