Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | First BankBank | Exceptional | Exceptional | Strong | Strong | $1,271Fees | 0.194%Above | 64 | |
2 | STATE EMPLOYEES'Credit Union | Exceptional | Strong | Strong | Exceptional | $2,385Fees | 0.864%Below | 286 | |
3 | HomeTrust BankBank | Exceptional | Strong | Strong | Exceptional | $1,196Fees | 0.074%Above | 145 | |
4 | UNITED FEDERAL CREDIT UNIONCredit Union | Exceptional | Strong | Strong | Exceptional | $1,359Fees | 0.027%Above | 125 | |
5 | First-Citizens Bank & Trust CompanyBank | Exceptional | Strong | Strong | Exceptional | $1,294Fees | 0.032%Below | 107 | |
6 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Sound | Strong | $1,198Fees | 0.422%Below | 40 | |
7 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $2,496Fees | 0.149%Above | 184 | |
8 | Truist BankBank | Strong | Strong | Strong | Strong | $695Fees | 0.015%Below | 45 | |
9 | Bank of America, National AssociationBank | Strong | Strong | Strong | Strong | $1,566Fees | 0.163%Below | 41 | |
10 | GoPrime Mortgage, Inc.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | $4,158Fees | 0.306%Above | 76 | |
11 | Wells Fargo Bank, National AssociationBank | Strong | Strong | Sound | Strong | $2,135Fees | 0.129%Below | 39 | |
12 | U.S. Bank National AssociationBank | Strong | Strong | Strong | Sound | $644Fees | 0.057%Above | 21 | |
13 | Fifth Third Bank, National AssociationBank | Strong | Strong | Strong | Sound | $1,121Fees | 0.017%Below | 20 | |
14 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $2,711Fees | 0.340%Above | 436 | |
15 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $4,065Fees | 0.263%Above | 336 | |
16 | ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,916Fees | 0.309%Above | 149 | |
17 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | $2,189Fees | 0.284%Above | 87 | |
18 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $2,976Fees | 0.281%Above | 73 | |
19 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $3,351Fees | 0.241%Above | 51 | |
20 | American Security Mortgage Corp.Independent Mortgage Company | Strong | Sound | Strong | Strong | $1,919Fees | 0.157%Above | 36 | |
21 | ALLIANT CREDIT UNIONCredit Union | Strong | Strong | Sound | Sound | $1,051Fees | 0.247%Above | 20 | |
22 | HOWARD HANNA FINANCIAL SERVICES, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $2,072Fees | 0.161%Above | 112 | |
23 | TD Bank, National AssociationBank | Strong | Sound | Sound | Strong | $694Fees | 0.135%Above | 59 | |
24 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,938Fees | 0.333%Above | 56 | |
25 | Alcova Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,268Fees | 0.315%Above | 49 | |
26 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,831Fees | 0.407%Above | 44 | |
27 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Sound | $2,344Fees | 0.154%Above | 28 | |
28 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Sound | $1,973Fees | 0.214%Above | 26 | |
29 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | $2,860Fees | 0.411%Below | 22 | |
30 | Champion Credit UnionCredit Union | Strong | Acceptable | Sound | Exceptional | $2,647Fees | 0.121%Above | 70 | |
31 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,940Fees | 0.864%Above | 44 | |
32 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Sound | $3,069Fees | 0.296%Above | 38 | |
33 | USAA Federal Savings BankBank | Strong | Sound | Sound | Sound | $2,438Fees | 0.192%Below | 37 | |
34 | Magnolia Bank, IncorporatedBank | Strong | Acceptable | Exceptional | Sound | $1,243Fees | 0.072%Below | 32 | |
35 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Sound | $3,375Fees | 0.372%Above | 29 | |
36 | United Community BankBank | Sound | Acceptable | Sound | Strong | $2,328Fees | 0.511%Above | 59 | |
37 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Sound | Acceptable | Strong | Sound | $3,703Fees | 0.362%Above | 29 | |
38 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD.Independent Mortgage Company | Sound | Mediocre | Strong | Strong | $4,840Fees | 0.500%Above | 42 | |
39 | NEWREZ LLCIndependent Mortgage Company | Sound | Acceptable | Sound | Sound | $2,679Fees | 0.304%Above | 23 |
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.