Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | TRAILBLAZER MORTGAGE L.L.C.Independent Mortgage Company | Exceptional | Exceptional | Strong | Exceptional | $2,369Fees | 0.491%Below | 672 | |
2 | DELTA COMMUNITY CREDIT UNIONCredit Union | Exceptional | Exceptional | Sound | Exceptional | $2,413Fees | 0.434%Below | 639 | |
3 | Truist BankBank | Exceptional | Strong | Strong | Exceptional | $572Fees | 0.013%Above | 898 | |
4 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Sound | Strong | $621Fees | 0.427%Below | 651 | |
5 | PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company | Exceptional | Exceptional | Sound | Strong | $1,275Fees | 0.098%Below | 494 | |
6 | FBC MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | $2,147Fees | 0.152%Above | 282 | |
7 | First Federal BankBank | Exceptional | Exceptional | Sound | Strong | $1,659Fees | 0.001%Above | 257 | |
8 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $2,912Fees | 0.163%Above | 5,958 | |
9 | Ameris BankBank | Strong | Sound | Exceptional | Exceptional | $3,303Fees | 0.179%Above | 2,494 | |
10 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $2,837Fees | 0.127%Above | 669 | |
11 | Bank of America, National AssociationBank | Strong | Strong | Strong | Strong | $1,604Fees | 0.254%Below | 573 | |
12 | U.S. Bank National AssociationBank | Strong | Strong | Strong | Strong | $97Fees | 0.103%Below | 238 | |
13 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Exceptional | $2,581Fees | 0.076%Above | 1,244 | |
14 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | $2,986Fees | 0.044%Below | 1,222 | |
15 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | $2,904Fees | 0.179%Above | 932 | |
16 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | $1,715Fees | 0.009%Above | 888 | |
17 | Wells Fargo Bank, National AssociationBank | Strong | Strong | Sound | Strong | $2,070Fees | 0.054%Below | 730 | |
18 | Capital City Home Loans, LLCIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | $2,300Fees | 0.228%Above | 347 | |
19 | MORTGAGE ASSURANCE, INC.Independent Mortgage Company | Strong | Sound | Strong | Exceptional | $1,903Fees | 0.160%Above | 323 | |
20 | First Heritage Mortgage, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | $3,554Fees | 0.341%Above | 230 | |
21 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $4,409Fees | 0.271%Above | 6,570 | |
22 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,690Fees | 0.395%Above | 1,660 | |
23 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,060Fees | 0.233%Above | 985 | |
24 | BANKSOUTH MORTGAGE COMPANY, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $4,293Fees | 0.140%Above | 893 | |
25 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $2,689Fees | 0.348%Above | 823 | |
26 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | $3,687Fees | 0.274%Above | 626 | |
27 | Regions BankBank | Strong | Sound | Strong | Strong | $2,484Fees | 0.136%Above | 494 | |
28 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | $1,210Fees | 0.798%Above | 469 | |
29 | SouthState Bank, National AssociationBank | Strong | Sound | Strong | Strong | $2,436Fees | 0.167%Above | 404 | |
30 | Associated Credit UnionCredit Union | Strong | Sound | Sound | Exceptional | $4,087Fees | 1.233%Below | 311 | |
31 | NexBankBank | Strong | Sound | Strong | Strong | $2,208Fees | 0.250%Above | 275 | |
32 | First Horizon BankBank | Strong | Sound | Strong | Strong | $1,155Fees | 0.114%Above | 210 | |
33 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $3,289Fees | 0.142%Above | 171 | |
34 | Synovus BankBank | Strong | Sound | Strong | Strong | $2,292Fees | 0.037%Above | 162 | |
35 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $4,174Fees | 0.554%Above | 1,044 | |
36 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $1,934Fees | 0.461%Above | 827 | |
37 | ZILLOW HOME LOANS, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $2,881Fees | 0.306%Above | 582 | |
38 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,915Fees | 0.575%Above | 338 | |
39 | Renasant BankBank | Strong | Acceptable | Exceptional | Strong | $3,424Fees | 0.092%Above | 324 | |
40 | ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,955Fees | 0.233%Above | 320 | |
41 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $4,519Fees | 0.594%Above | 304 | |
42 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Sound | Strong | $2,788Fees | 0.200%Above | 277 | |
43 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $1,703Fees | 0.014%Above | 253 | |
44 | Magnolia Bank, IncorporatedBank | Strong | Acceptable | Exceptional | Strong | $3,180Fees | 0.150%Above | 204 | |
45 | USAA Federal Savings BankBank | Strong | Sound | Sound | Strong | $1,720Fees | 0.107%Below | 187 | |
46 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,842Fees | 0.387%Above | 183 | |
47 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $4,061Fees | 0.526%Above | 167 | |
48 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,759Fees | 0.286%Above | 147 | |
49 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,125Fees | 0.241%Above | 580 | |
50 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $4,006Fees | 0.495%Above | 518 |
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.