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 | $636Fees | 0.456%Below | 685 | |
2 | Truist BankBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $629Credit | 0.066%Below | 494 | |
3 | PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,131Fees | 0.126%Below | 180 | |
4 | First National Bank of PennsylvaniaBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,543Fees | 0.039%Above | 357 | |
5 | STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATEDCredit Union | Exceptional | Strong | Strong | Strong | Exceptional | $1,302Fees | 0.266%Below | 344 | |
6 | Bank of America, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,859Fees | 0.108%Below | 303 | |
7 | PNC Bank, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $808Fees | 0.056%Above | 145 | |
8 | ABERDEEN PROVING GROUND FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Sound | Strong | Strong | $1,107Fees | 0.224%Below | 139 | |
9 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $349Fees | 0.019%Above | 109 | |
10 | Manufacturers and Traders Trust CompanyBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $844Fees | 0.079%Above | 398 | |
11 | Wells Fargo Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $1,934Fees | 0.029%Above | 259 | |
12 | First Heritage Mortgage, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,891Fees | 0.096%Above | 170 | |
13 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,143Fees | 0.282%Above | 2,545 | |
14 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,993Fees | 0.096%Above | 1,767 | |
15 | MERIDIAN BANKBank | Strong | Sound | Strong | Strong | Exceptional | $2,057Fees | 0.194%Above | 723 | |
16 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $2,657Fees | 0.097%Above | 496 | |
17 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,284Fees | 0.114%Above | 261 | |
18 | Ameris BankBank | Strong | Sound | Exceptional | Strong | Strong | $3,171Fees | 0.249%Above | 255 | |
19 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,144Fees | 0.089%Above | 237 | |
20 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Strong | Strong | Sound | Strong | $1,825Fees | 0.161%Above | 128 | |
21 | Atlantic Coast Mortgage, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,408Fees | 0.133%Above | 124 | |
22 | WesBanco Bank, Inc.Bank | Strong | Sound | Exceptional | Strong | Strong | $1,650Fees | 0.222%Above | 100 | |
23 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,244Fees | 0.364%Above | 96 | |
24 | PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,662Fees | 0.425%Above | 1,038 | |
25 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,032Fees | 0.367%Above | 591 | |
26 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Sound | Exceptional | $2,372Fees | 0.164%Above | 537 | |
27 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,630Fees | 0.309%Above | 506 | |
28 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $1,585Fees | 0.097%Below | 308 | |
29 | Sandy Spring BankBank | Strong | Sound | Strong | Sound | Exceptional | $2,144Fees | 0.231%Above | 268 | |
30 | United BankBank | Strong | Sound | Strong | Strong | Strong | $1,838Fees | 0.225%Below | 186 | |
31 | Vellum Mortgage, Inc.Independent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $3,300Fees | 0.235%Above | 102 | |
32 | ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,867Fees | 0.476%Above | 86 | |
33 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,633Fees | 0.212%Above | 71 | |
34 | Towne BankBank | Strong | Acceptable | Strong | Strong | Exceptional | $2,593Fees | 0.161%Above | 642 | |
35 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,472Fees | 0.266%Above | 468 | |
36 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,704Fees | 0.417%Above | 435 | |
37 | DAS Acquisition Company, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,177Fees | 0.114%Above | 374 | |
38 | BAY CAPITAL MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $3,832Fees | 0.175%Above | 334 | |
39 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,707Fees | 0.251%Above | 321 | |
40 | Fulton Bank, National AssociationBank | Strong | Acceptable | Exceptional | Strong | Strong | $2,828Fees | 0.245%Above | 231 | |
41 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,894Fees | 0.307%Above | 209 | |
42 | SWBC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,361Fees | 0.393%Above | 209 | |
43 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,219Fees | 0.102%Above | 202 | |
44 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,578Fees | 0.334%Above | 185 | |
45 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,318Fees | 0.451%Above | 169 | |
46 | Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,060Fees | 0.253%Above | 168 | |
47 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,933Fees | 0.150%Above | 162 | |
48 | Plains Commerce BankBank | Strong | Acceptable | Exceptional | Strong | Strong | $3,607Fees | 0.208%Above | 152 | |
49 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,217Fees | 0.597%Above | 136 | |
50 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,351Fees | 0.528%Above | 121 |
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.