Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | HomeTrust BankBank | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,196Fees | 0.074%Above | 145 | |
2 | STATE EMPLOYEES'Credit Union | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,385Fees | 0.864%Below | 286 | |
3 | First BankBank | Exceptional | Exceptional | Strong | Strong | Strong | $1,271Fees | 0.194%Above | 64 | |
4 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,198Fees | 0.422%Below | 40 | |
5 | UNITED FEDERAL CREDIT UNIONCredit Union | Exceptional | Strong | Strong | Strong | Exceptional | $1,359Fees | 0.027%Above | 125 | |
6 | Truist BankBank | Exceptional | Strong | Exceptional | Strong | Strong | $695Fees | 0.015%Below | 45 | |
7 | Bank of America, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,566Fees | 0.163%Below | 41 | |
8 | Wells Fargo Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $2,135Fees | 0.129%Below | 39 | |
9 | American Security Mortgage Corp.Independent Mortgage Company | Exceptional | Strong | Strong | Strong | Strong | $1,919Fees | 0.157%Above | 36 | |
10 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Sound | $644Fees | 0.057%Above | 21 | |
11 | NBKC BANKBank | Exceptional | Exceptional | Strong | Sound | Sound | $875Fees | 0.263%Below | 18 | |
12 | First National Bank of PennsylvaniaBank | Exceptional | Strong | Exceptional | Strong | Sound | $757Fees | 0.020%Above | 15 | |
13 | Morgan Stanley Private Bank, National AssociationBank | Exceptional | Exceptional | Strong | Sound | Sound | $348Fees | 0.326%Below | 13 | |
14 | SIRVA MORTGAGE, INC.Independent Mortgage Company | Exceptional | Exceptional | Strong | Sound | Sound | $146Fees | 0.195%Above | 10 | |
15 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,065Fees | 0.263%Above | 336 | |
16 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,496Fees | 0.149%Above | 184 | |
17 | ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,916Fees | 0.309%Above | 149 | |
18 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,976Fees | 0.281%Above | 73 | |
19 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,351Fees | 0.241%Above | 51 | |
20 | Fifth Third Bank, National AssociationBank | Strong | Strong | Exceptional | Sound | Sound | $1,121Fees | 0.017%Below | 20 | |
21 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,711Fees | 0.340%Above | 436 | |
22 | HOWARD HANNA FINANCIAL SERVICES, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,072Fees | 0.161%Above | 112 | |
23 | First-Citizens Bank & Trust CompanyBank | Strong | Sound | Strong | Sound | Exceptional | $1,294Fees | 0.032%Below | 107 | |
24 | Alcova Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,268Fees | 0.315%Above | 49 | |
25 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Sound | $1,973Fees | 0.214%Above | 26 | |
26 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Strong | Strong | Sound | Sound | $1,157Fees | 0.115%Above | 17 | |
27 | EASTMAN CREDIT UNIONCredit Union | Strong | Sound | Exceptional | Strong | Sound | $2,940Fees | 0.025%Above | 13 | |
28 | First Horizon BankBank | Strong | Sound | Exceptional | Strong | Sound | $465Fees | 0.071%Above | 13 | |
29 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,189Fees | 0.284%Above | 87 | |
30 | United Community BankBank | Strong | Acceptable | Exceptional | Strong | Strong | $2,328Fees | 0.511%Above | 59 | |
31 | TD Bank, National AssociationBank | Strong | Sound | Strong | Sound | Strong | $694Fees | 0.135%Above | 59 | |
32 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,938Fees | 0.333%Above | 56 | |
33 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,831Fees | 0.407%Above | 44 | |
34 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,840Fees | 0.500%Above | 42 | |
35 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Sound | $2,860Fees | 0.411%Below | 22 | |
36 | SOFI BANK, NATIONAL ASSOCIATIONBank | Strong | Strong | Strong | Acceptable | Sound | $230Fees | 0.211%Above | 12 | |
37 | Charles Schwab Bank, SSBBank | Strong | Sound | Strong | Strong | Sound | $918Fees | 0.094%Below | 10 | |
38 | Ameris BankBank | Strong | Sound | Exceptional | Strong | Acceptable | $2,826Fees | 0.045%Below | 10 | |
39 | GoPrime Mortgage, Inc.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $4,158Fees | 0.306%Above | 76 | |
40 | Champion Credit UnionCredit Union | Strong | Acceptable | Sound | Strong | Exceptional | $2,647Fees | 0.121%Above | 70 | |
41 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,069Fees | 0.296%Above | 38 | |
42 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,703Fees | 0.362%Above | 29 | |
43 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,375Fees | 0.372%Above | 29 | |
44 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Sound | Sound | $2,344Fees | 0.154%Above | 28 | |
45 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,768Fees | 0.338%Above | 18 | |
46 | The Park National BankBank | Strong | Acceptable | Exceptional | Strong | Sound | $1,459Fees | 0.497%Above | 15 | |
47 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,381Fees | 0.407%Above | 12 | |
48 | Magnolia Bank, IncorporatedBank | Strong | Acceptable | Strong | Strong | Sound | $1,243Fees | 0.072%Below | 32 | |
49 | NEWREZ LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $2,679Fees | 0.304%Above | 23 | |
50 | RADIUS FINANCIAL GROUP INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Sound | $3,217Fees | 0.427%Above | 11 |
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.