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 | Wells Fargo Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Sound | $2,345Fees | 0.021%Above | 33 | |
2 | Bank of America, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Sound | $887Fees | 0.281%Below | 29 | |
3 | Morgan Stanley Private Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Sound | $207Fees | 0.366%Below | 18 | |
4 | U.S. Bank National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Sound | $766Fees | 0.101%Below | 17 | |
5 | BankPlusBank | Exceptional | Strong | Strong | Strong | Exceptional | $2,218Fees | 0.004%Below | 96 | |
6 | Citizens Bank, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,629Fees | 0.084%Below | 44 | |
7 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,880Fees | 0.037%Below | 438 | |
8 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,345Fees | 0.157%Above | 343 | |
9 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,335Fees | 0.093%Above | 275 | |
10 | Truist BankBank | Exceptional | Strong | Exceptional | Strong | Sound | $1,065Fees | 0.105%Below | 21 | |
11 | Fifth Third Bank, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Sound | $110Fees | 0.171%Below | 18 | |
12 | Synovus BankBank | Exceptional | Strong | Exceptional | Strong | Sound | $1,814Fees | 0.112%Below | 18 | |
13 | Regions BankBank | Strong | Sound | Exceptional | Strong | Strong | $2,848Fees | 0.249%Above | 97 | |
14 | Trustmark National BankBank | Strong | Sound | Exceptional | Strong | Strong | $1,622Fees | 0.036%Below | 74 | |
15 | VYSTAR CREDIT UNIONCredit Union | Strong | Strong | Exceptional | Sound | Sound | $3,201Fees | 0.824%Below | 15 | |
16 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Sound | $2,000Fees | 0.242%Above | 25 | |
17 | PNC Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Sound | $294Fees | 0.126%Above | 22 | |
18 | Renasant BankBank | Strong | Sound | Exceptional | Strong | Sound | $2,231Fees | 0.339%Above | 16 | |
19 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,098Fees | 0.473%Above | 104 | |
20 | Capital City Home Loans, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Sound | $3,076Fees | 0.168%Above | 29 | |
21 | ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,368Fees | 0.558%Above | 13 | |
22 | Cadence BankBank | Strong | Mediocre | Exceptional | Strong | Strong | $2,989Fees | 0.370%Above | 53 | |
23 | Northpointe BankBank | Sound | Mediocre | Strong | Sound | Strong | $3,138Fees | 0.416%Above | 62 | |
24 | Community Bank of MississippiBank | Sound | Acceptable | Sound | Acceptable | Strong | $4,676Fees | 0.600%Above | 55 | |
25 | DEEPHAVEN MORTGAGE LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Sound | $5,249Fees | 1.029%Above | 13 |
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.