Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Sound | Strong | $624Fees | 0.658%Below | 36 | |
2 | COLONY BANKBank | Strong | Sound | Exceptional | Exceptional | $1,951Fees | 0.465%Above | 61 | |
3 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | $2,582Fees | 0.274%Above | 60 | |
4 | Ameris BankBank | Strong | Sound | Exceptional | Strong | $2,212Fees | 0.444%Above | 42 | |
5 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,761Fees | 0.460%Above | 121 | |
6 | Synovus BankBank | Strong | Sound | Strong | Strong | $3,016Fees | 0.092%Above | 48 | |
7 | Capital City Home Loans, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $1,785Fees | 0.475%Above | 26 | |
8 | Flagstar Bank, N.A.Bank | Strong | Acceptable | Strong | Exceptional | $2,930Fees | 0.570%Above | 175 | |
9 | Renasant BankBank | Strong | Acceptable | Exceptional | Strong | $3,155Fees | 0.485%Above | 35 | |
10 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $300Fees | 0.722%Above | 67 |
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.