Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,993Fees | 0.096%Above | 1,767 | |
2 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Exceptional | $636Fees | 0.456%Below | 685 | |
3 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,372Fees | 0.164%Above | 537 | |
4 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,630Fees | 0.309%Above | 506 | |
5 | Ameris BankBank | Exceptional | Strong | Exceptional | Exceptional | Strong | $3,171Fees | 0.249%Above | 255 | |
6 | Towne BankBank | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,593Fees | 0.161%Above | 642 | |
7 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,585Fees | 0.097%Below | 308 | |
8 | Sandy Spring BankBank | Exceptional | Strong | Strong | Strong | Exceptional | $2,144Fees | 0.231%Above | 268 | |
9 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,217Fees | 0.219%Above | 263 | |
10 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,219Fees | 0.102%Above | 202 | |
11 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $349Fees | 0.019%Above | 109 | |
12 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $3,619Fees | 0.700%Above | 90 | |
13 | Truist BankBank | Exceptional | Strong | Strong | Sound | Exceptional | $629Credit | 0.066%Below | 494 | |
14 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,472Fees | 0.266%Above | 468 | |
15 | Manufacturers and Traders Trust CompanyBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $844Fees | 0.079%Above | 398 | |
16 | First National Bank of PennsylvaniaBank | Exceptional | Strong | Strong | Strong | Strong | $1,543Fees | 0.039%Above | 357 | |
17 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,707Fees | 0.251%Above | 321 | |
18 | SWBC MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,361Fees | 0.393%Above | 209 | |
19 | United BankBank | Exceptional | Strong | Strong | Strong | Strong | $1,838Fees | 0.225%Below | 186 | |
20 | First Heritage Mortgage, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,891Fees | 0.096%Above | 170 | |
21 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,933Fees | 0.150%Above | 162 | |
22 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,244Fees | 0.364%Above | 96 | |
23 | USAA Federal Savings BankBank | Exceptional | Strong | Exceptional | Sound | Strong | $1,607Fees | 0.112%Below | 89 | |
24 | PENTAGON FEDERAL CREDIT UNIONCredit Union | Exceptional | Strong | Exceptional | Sound | Strong | $3,221Fees | 0.187%Below | 81 | |
25 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,143Fees | 0.282%Above | 2,545 | |
26 | FIRST HOME MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,875Fees | 0.376%Above | 1,754 | |
27 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,273Fees | 0.392%Above | 1,197 | |
28 | MERIDIAN BANKBank | Strong | Sound | Strong | Strong | Exceptional | $2,057Fees | 0.194%Above | 723 | |
29 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,032Fees | 0.367%Above | 591 | |
30 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,477Fees | 0.318%Above | 349 | |
31 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,284Fees | 0.114%Above | 261 | |
32 | Shore United Bank, N.A.Bank | Strong | Sound | Strong | Exceptional | Strong | $2,590Fees | 0.144%Above | 193 | |
33 | HOMESPIRE MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | Strong | $4,627Fees | 0.637%Above | 171 | |
34 | Plains Commerce BankBank | Strong | Sound | Exceptional | Strong | Strong | $3,607Fees | 0.208%Above | 152 | |
35 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,825Fees | 0.161%Above | 128 | |
36 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,351Fees | 0.528%Above | 121 | |
37 | WesBanco Bank, Inc.Bank | Strong | Strong | Strong | Sound | Strong | $1,650Fees | 0.222%Above | 100 | |
38 | SUN WEST MORTGAGE COMPANY, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $4,612Fees | 0.097%Above | 93 | |
39 | KEYSTONE FUNDING, INC.Independent Mortgage Company | Strong | Sound | Strong | Exceptional | Strong | $2,594Fees | 0.342%Above | 80 | |
40 | BAY CAPITAL MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | Exceptional | $3,832Fees | 0.175%Above | 334 | |
41 | Wells Fargo Bank, National AssociationBank | Strong | Sound | Exceptional | Sound | Strong | $1,934Fees | 0.029%Above | 259 | |
42 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $5,131Fees | 0.632%Above | 136 | |
43 | Atlantic Coast Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,408Fees | 0.133%Above | 124 | |
44 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,474Fees | 0.322%Above | 120 | |
45 | Vellum Mortgage, Inc.Independent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $3,300Fees | 0.235%Above | 102 | |
46 | ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,867Fees | 0.476%Above | 86 | |
47 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,704Fees | 0.417%Above | 435 | |
48 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,675Fees | 0.456%Above | 409 | |
49 | DAS Acquisition Company, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,177Fees | 0.114%Above | 374 | |
50 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,144Fees | 0.089%Above | 237 |
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.