Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | First National Bank of PennsylvaniaBank | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,737Fees | 0.015%Below | 426 | |
2 | MATTAMY HOME FUNDING, LLCIndependent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,605Fees | 0.320%Above | 340 | |
3 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,229Fees | 0.107%Above | 3,124 | |
4 | American Security Mortgage Corp.Independent Mortgage Company | Exceptional | Strong | Strong | Strong | Exceptional | $1,703Fees | 0.123%Above | 1,453 | |
5 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,857Fees | 0.131%Above | 501 | |
6 | First-Citizens Bank & Trust CompanyBank | Exceptional | Exceptional | Strong | Sound | Strong | $1,640Fees | 0.083%Below | 267 | |
7 | SOFI BANK, NATIONAL ASSOCIATIONBank | Exceptional | Exceptional | Strong | Sound | Strong | $200Fees | 0.092%Above | 199 | |
8 | NBKC BANKBank | Exceptional | Exceptional | Strong | Sound | Strong | $506Fees | 0.208%Below | 157 | |
9 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,603Fees | 0.233%Below | 1,307 | |
10 | Truist BankBank | Exceptional | Strong | Strong | Sound | Exceptional | $280Credit | 0.057%Above | 639 | |
11 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $2,371Fees | 0.002%Above | 471 | |
12 | First Federal BankBank | Exceptional | Strong | Strong | Strong | Strong | $2,328Fees | 0.096%Above | 307 | |
13 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $748Fees | 0.050%Above | 295 | |
14 | SouthState Bank, National AssociationBank | Exceptional | Strong | Strong | Strong | Strong | $2,327Fees | 0.143%Above | 283 | |
15 | Fifth Third Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $503Fees | 0.121%Above | 198 | |
16 | Towne BankBank | Exceptional | Sound | Exceptional | Exceptional | Strong | $4,535Fees | 0.252%Above | 175 | |
17 | Pinnacle BankBank | Exceptional | Strong | Strong | Strong | Strong | $1,887Fees | 0.153%Above | 111 | |
18 | INTERCOASTAL MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Strong | Strong | Strong | $1,706Fees | 0.287%Above | 88 | |
19 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,744Fees | 0.251%Above | 3,911 | |
20 | ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,972Fees | 0.290%Above | 1,097 | |
21 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,255Fees | 0.465%Above | 980 | |
22 | M/I FINANCIAL, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $6,746Fees | 0.184%Above | 373 | |
23 | Primis Mortgage CompanyIndependent Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $2,949Fees | 0.260%Above | 336 | |
24 | Uwharrie BankBank | Strong | Strong | Sound | Sound | Exceptional | $1,554Fees | 0.271%Above | 229 | |
25 | Ameris BankBank | Strong | Sound | Exceptional | Strong | Strong | $2,866Fees | 0.125%Above | 196 | |
26 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,117Fees | 0.394%Above | 161 | |
27 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $2,593Fees | 0.333%Above | 161 | |
28 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,294Fees | 0.333%Above | 156 | |
29 | Plains Commerce BankBank | Strong | Sound | Exceptional | Strong | Strong | $2,839Fees | 0.277%Above | 98 | |
30 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,268Fees | 0.329%Above | 2,718 | |
31 | Wells Fargo Bank, National AssociationBank | Strong | Sound | Strong | Sound | Exceptional | $1,583Fees | 0.039%Below | 935 | |
32 | ZILLOW HOME LOANS, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,840Fees | 0.353%Above | 429 | |
33 | HOWARD HANNA FINANCIAL SERVICES, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $1,914Fees | 0.255%Above | 332 | |
34 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $2,335Fees | 0.380%Above | 243 | |
35 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,812Fees | 0.479%Above | 241 | |
36 | Regions BankBank | Strong | Sound | Exceptional | Sound | Strong | $1,905Fees | 0.125%Above | 236 | |
37 | Alcova Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,984Fees | 0.437%Above | 235 | |
38 | Atlantic Coast Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,226Fees | 0.365%Above | 186 | |
39 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,218Fees | 0.469%Above | 140 | |
40 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,996Fees | 0.023%Above | 109 | |
41 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,196Fees | 0.465%Above | 364 | |
42 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,909Fees | 0.221%Above | 194 | |
43 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,431Fees | 0.357%Above | 167 | |
44 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,205Fees | 0.171%Above | 164 | |
45 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,021Fees | 0.295%Above | 158 | |
46 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,168Fees | 0.403%Above | 155 | |
47 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,071Fees | 0.636%Above | 134 | |
48 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,432Fees | 0.406%Above | 103 | |
49 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,750Fees | 0.074%Above | 100 | |
50 | OriginPoint, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $2,279Fees | 0.201%Above | 95 |
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.