Safe Rate Rankings
Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | STATE EMPLOYEES'Credit Union | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,298Fees | 0.739%Below | 1,205 | |
2 | Bank of America, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,668Fees | 0.167%Below | 807 | |
3 | Truist BankBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $280Credit | 0.057%Above | 639 | |
4 | First National Bank of PennsylvaniaBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,737Fees | 0.015%Below | 426 | |
5 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $900Fees | 0.513%Below | 346 | |
6 | PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company | Exceptional | Exceptional | Exceptional | Sound | Strong | $584Fees | 0.072%Below | 228 | |
7 | American Security Mortgage Corp.Independent Mortgage Company | Exceptional | Strong | Strong | Strong | Exceptional | $1,703Fees | 0.123%Above | 1,453 | |
8 | Wells Fargo Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Exceptional | $1,583Fees | 0.039%Below | 935 | |
9 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $748Fees | 0.050%Above | 295 | |
10 | NBKC BANKBank | Exceptional | Exceptional | Strong | Sound | Strong | $506Fees | 0.208%Below | 157 | |
11 | PNC Bank, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $395Credit | 0.017%Above | 120 | |
12 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,603Fees | 0.233%Below | 1,307 | |
13 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,750Fees | 0.065%Above | 825 | |
14 | FOUNDERS FEDERAL CREDIT UNIONCredit Union | Exceptional | Strong | Strong | Sound | Exceptional | $1,011Fees | 0.439%Below | 527 | |
15 | Fifth Third Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $503Fees | 0.121%Above | 198 | |
16 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,744Fees | 0.251%Above | 3,911 | |
17 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,229Fees | 0.107%Above | 3,124 | |
18 | ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,972Fees | 0.290%Above | 1,097 | |
19 | MATTAMY HOME FUNDING, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $1,605Fees | 0.320%Above | 340 | |
20 | First Federal BankBank | Strong | Strong | Strong | Sound | Strong | $2,328Fees | 0.096%Above | 307 | |
21 | SouthState Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $2,327Fees | 0.143%Above | 283 | |
22 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Strong | Strong | Sound | Strong | $2,763Fees | 0.051%Above | 260 | |
23 | Ameris BankBank | Strong | Sound | Exceptional | Strong | Strong | $2,866Fees | 0.125%Above | 196 | |
24 | Atlantic Coast Mortgage, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,226Fees | 0.365%Above | 186 | |
25 | Truliant Federal Credit UnionCredit Union | Strong | Strong | Strong | Sound | Strong | $1,153Fees | 0.256%Above | 129 | |
26 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,432Fees | 0.406%Above | 103 | |
27 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,750Fees | 0.074%Above | 100 | |
28 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,268Fees | 0.329%Above | 2,718 | |
29 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,255Fees | 0.465%Above | 980 | |
30 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,318Fees | 0.538%Above | 697 | |
31 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $2,371Fees | 0.002%Above | 471 | |
32 | Alcova Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,984Fees | 0.437%Above | 235 | |
33 | Pinnacle BankBank | Strong | Sound | Strong | Strong | Strong | $1,887Fees | 0.153%Above | 111 | |
34 | INTERCOASTAL MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $1,706Fees | 0.287%Above | 88 | |
35 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,196Fees | 0.465%Above | 364 | |
36 | HOWARD HANNA FINANCIAL SERVICES, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,914Fees | 0.255%Above | 332 | |
37 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,812Fees | 0.479%Above | 241 | |
38 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,154Fees | 0.363%Above | 236 | |
39 | Regions BankBank | Strong | Acceptable | Exceptional | Strong | Strong | $1,905Fees | 0.125%Above | 236 | |
40 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,909Fees | 0.221%Above | 194 | |
41 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,205Fees | 0.171%Above | 164 | |
42 | Flagstar Bank, N.A.Bank | Strong | Acceptable | Exceptional | Strong | Strong | $2,593Fees | 0.333%Above | 161 | |
43 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,021Fees | 0.295%Above | 158 | |
44 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,294Fees | 0.333%Above | 156 | |
45 | PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,642Fees | 0.431%Above | 155 | |
46 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,168Fees | 0.403%Above | 155 | |
47 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,218Fees | 0.469%Above | 140 | |
48 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,071Fees | 0.636%Above | 134 | |
49 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,028Fees | 0.473%Above | 129 | |
50 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,996Fees | 0.023%Above | 109 |
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.