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 | $2,229Fees | 0.107%Above | 3,124 | |
2 | NBKC BANKBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $506Fees | 0.208%Below | 157 | |
3 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $900Fees | 0.513%Below | 346 | |
4 | MATTAMY HOME FUNDING, LLCIndependent Mortgage Company | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,605Fees | 0.320%Above | 340 | |
5 | First Federal BankBank | Exceptional | Exceptional | Exceptional | Sound | Strong | $2,328Fees | 0.096%Above | 307 | |
6 | Ameris BankBank | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,866Fees | 0.125%Above | 196 | |
7 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,268Fees | 0.329%Above | 2,718 | |
8 | American Security Mortgage Corp.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,703Fees | 0.123%Above | 1,453 | |
9 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Exceptional | $1,750Fees | 0.065%Above | 825 | |
10 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,857Fees | 0.131%Above | 501 | |
11 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,371Fees | 0.002%Above | 471 | |
12 | First National Bank of PennsylvaniaBank | Exceptional | Strong | Strong | Strong | Exceptional | $1,737Fees | 0.015%Below | 426 | |
13 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $748Fees | 0.050%Above | 295 | |
14 | SOFI BANK, NATIONAL ASSOCIATIONBank | Exceptional | Exceptional | Strong | Sound | Strong | $200Fees | 0.092%Above | 199 | |
15 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,431Fees | 0.357%Above | 167 | |
16 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,205Fees | 0.171%Above | 164 | |
17 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $3,117Fees | 0.394%Above | 161 | |
18 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,603Fees | 0.233%Below | 1,307 | |
19 | Truist BankBank | Exceptional | Strong | Strong | Sound | Exceptional | $280Credit | 0.057%Above | 639 | |
20 | M/I FINANCIAL, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $6,746Fees | 0.184%Above | 373 | |
21 | SouthState Bank, National AssociationBank | Exceptional | Strong | Strong | Strong | Strong | $2,327Fees | 0.143%Above | 283 | |
22 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,909Fees | 0.221%Above | 194 | |
23 | Towne BankBank | Exceptional | Sound | Exceptional | Exceptional | Strong | $4,535Fees | 0.252%Above | 175 | |
24 | USAA Federal Savings BankBank | Exceptional | Strong | Exceptional | Sound | Strong | $2,228Fees | 0.110%Below | 115 | |
25 | Pinnacle BankBank | Exceptional | Strong | Strong | Strong | Strong | $1,887Fees | 0.153%Above | 111 | |
26 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,996Fees | 0.023%Above | 109 | |
27 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,744Fees | 0.251%Above | 3,911 | |
28 | ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,972Fees | 0.290%Above | 1,097 | |
29 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,255Fees | 0.465%Above | 980 | |
30 | Wells Fargo Bank, National AssociationBank | Strong | Sound | Exceptional | Sound | Exceptional | $1,583Fees | 0.039%Below | 935 | |
31 | Primis Mortgage CompanyIndependent Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $2,949Fees | 0.260%Above | 336 | |
32 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,763Fees | 0.051%Above | 260 | |
33 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,335Fees | 0.380%Above | 243 | |
34 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $2,593Fees | 0.333%Above | 161 | |
35 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,294Fees | 0.333%Above | 156 | |
36 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,432Fees | 0.406%Above | 103 | |
37 | Plains Commerce BankBank | Strong | Sound | Exceptional | Strong | Strong | $2,839Fees | 0.277%Above | 98 | |
38 | INTERCOASTAL MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | Strong | $1,706Fees | 0.287%Above | 88 | |
39 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,318Fees | 0.538%Above | 697 | |
40 | HOWARD HANNA FINANCIAL SERVICES, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $1,914Fees | 0.255%Above | 332 | |
41 | Alcova Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,984Fees | 0.437%Above | 235 | |
42 | Atlantic Coast Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,226Fees | 0.365%Above | 186 | |
43 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $592Fees | 0.283%Above | 455 | |
44 | ZILLOW HOME LOANS, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $2,840Fees | 0.353%Above | 429 | |
45 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,196Fees | 0.465%Above | 364 | |
46 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,812Fees | 0.479%Above | 241 | |
47 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,154Fees | 0.363%Above | 236 | |
48 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,021Fees | 0.295%Above | 158 | |
49 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,168Fees | 0.403%Above | 155 | |
50 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,028Fees | 0.473%Above | 129 |
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.