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 | Exceptional | Exceptional | Strong | Exceptional | $2,298Fees | 0.739%Below | 1,205 | |
2 | Wells Fargo Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $1,583Fees | 0.039%Below | 935 | |
3 | Bank of America, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $1,668Fees | 0.167%Below | 807 | |
4 | U.S. Bank National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $748Fees | 0.050%Above | 295 | |
5 | Truist BankBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $280Credit | 0.057%Above | 639 | |
6 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $900Fees | 0.513%Below | 346 | |
7 | First-Citizens Bank & Trust CompanyBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,640Fees | 0.083%Below | 267 | |
8 | Fifth Third Bank, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $503Fees | 0.121%Above | 198 | |
9 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,205Fees | 0.171%Above | 164 | |
10 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,744Fees | 0.251%Above | 3,911 | |
11 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,229Fees | 0.107%Above | 3,124 | |
12 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,268Fees | 0.329%Above | 2,718 | |
13 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,750Fees | 0.065%Above | 825 | |
14 | First National Bank of PennsylvaniaBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,737Fees | 0.015%Below | 426 | |
15 | Truliant Federal Credit UnionCredit Union | Exceptional | Strong | Strong | Strong | Strong | $1,153Fees | 0.256%Above | 129 | |
16 | American Security Mortgage Corp.Independent Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $1,703Fees | 0.123%Above | 1,453 | |
17 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Exceptional | $2,603Fees | 0.233%Below | 1,307 | |
18 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,371Fees | 0.002%Above | 471 | |
19 | Regions BankBank | Strong | Sound | Exceptional | Strong | Strong | $1,905Fees | 0.125%Above | 236 | |
20 | PNC Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $395Credit | 0.017%Above | 120 | |
21 | TD Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $530Fees | 0.314%Above | 106 | |
22 | ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,972Fees | 0.290%Above | 1,097 | |
23 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,255Fees | 0.465%Above | 980 | |
24 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,318Fees | 0.538%Above | 697 | |
25 | OriginPoint, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $2,279Fees | 0.201%Above | 95 | |
26 | SouthState Bank, National AssociationBank | Strong | Acceptable | Exceptional | Strong | Strong | $2,327Fees | 0.143%Above | 283 | |
27 | SKYLA FEDERAL CREDIT UNIONCredit Union | Strong | Sound | — | Sound | Exceptional | $3,390Fees | 0.230%Below | 182 | |
28 | Towne BankBank | Strong | Acceptable | Exceptional | Strong | Strong | $4,535Fees | 0.252%Above | 175 | |
29 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $2,812Fees | 0.479%Above | 241 | |
30 | Flagstar Bank, N.A.Bank | Sound | Mediocre | Exceptional | Sound | Strong | $2,593Fees | 0.333%Above | 161 | |
31 | HOWARD HANNA FINANCIAL SERVICES, INC.Independent Mortgage Company | Sound | Mediocre | Strong | Sound | Strong | $1,914Fees | 0.255%Above | 332 | |
32 | PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company | Sound | Mediocre | Strong | Sound | Strong | $3,642Fees | 0.431%Above | 155 | |
33 | Click n' Close, Inc.Independent Mortgage Company | Sound | Mediocre | Sound | Acceptable | Strong | $6,739Fees | 1.677%Above | 155 |
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.