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 | $1,242Fees | 0.490%Below | 262 | |
2 | Bank of America, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,071Fees | 0.211%Below | 135 | |
3 | Wells Fargo Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,622Fees | 0.034%Below | 127 | |
4 | Morgan Stanley Private Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $175Fees | 0.547%Below | 57 | |
5 | First-Citizens Bank & Trust CompanyBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,296Fees | 0.002%Above | 249 | |
6 | Fifth Third Bank, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $111Credit | 0.042%Below | 249 | |
7 | U.S. Bank National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Sound | $838Credit | 0.131%Below | 40 | |
8 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,889Fees | 0.146%Above | 137 | |
9 | Truist BankBank | Exceptional | Strong | Exceptional | Strong | Strong | $625Fees | 0.019%Below | 100 | |
10 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,507Fees | 0.187%Above | 830 | |
11 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,918Fees | 0.021%Below | 784 | |
12 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,577Fees | 0.289%Above | 429 | |
13 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,413Fees | 0.314%Above | 383 | |
14 | First Reliance BankBank | Exceptional | Strong | Strong | Strong | Strong | $1,218Fees | 0.119%Above | 83 | |
15 | SOUTH CAROLINA FEDERAL CREDIT UNIONCredit Union | Strong | Sound | Strong | Strong | Exceptional | $3,660Fees | 0.039%Above | 249 | |
16 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $1,901Fees | 0.090%Above | 190 | |
17 | Atlantic Coast Mortgage, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $4,132Fees | 0.331%Above | 173 | |
18 | First National Bank of PennsylvaniaBank | Strong | Sound | Exceptional | Strong | Strong | $1,147Fees | 0.043%Below | 154 | |
19 | Renasant BankBank | Strong | Sound | Exceptional | Strong | Strong | $2,523Fees | 0.263%Above | 143 | |
20 | TD Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $1,329Fees | 0.144%Above | 72 | |
21 | Regions BankBank | Strong | Sound | Exceptional | Strong | Strong | $1,726Fees | 0.066%Below | 66 | |
22 | Ameris BankBank | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,242Fees | 0.110%Above | 462 | |
23 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,585Fees | 0.427%Above | 282 | |
24 | SouthState Bank, National AssociationBank | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,815Fees | 0.107%Above | 241 | |
25 | ServisFirst BankBank | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,686Fees | 0.097%Above | 66 | |
26 | CAROLINA ONE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $3,087Fees | 0.217%Above | 408 | |
27 | REV FEDERAL CREDIT UNIONCredit Union | Strong | Sound | — | Sound | Strong | $3,805Fees | 0.121%Below | 88 | |
28 | Southern First BankBank | Strong | Acceptable | Strong | Strong | Strong | $2,143Fees | 0.177%Above | 46 | |
29 | FIRST HOME MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Strong | Sound | Strong | $3,102Fees | 0.587%Above | 100 | |
30 | Northpointe BankBank | Sound | Mediocre | Strong | Sound | Sound | $2,591Fees | 0.209%Above | 35 |
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.