Safe Rate Rankings
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| 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 | $2,357Fees | 0.864%Below | 555 | |
2 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $697Fees | 0.613%Below | 75 | |
3 | Truist BankBank | Exceptional | Strong | Exceptional | Strong | Strong | $973Fees | 0.032%Above | 150 | |
4 | First National Bank of PennsylvaniaBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,283Fees | 0.082%Below | 113 | |
5 | Bank of America, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $2,251Fees | 0.208%Below | 75 | |
6 | PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company | Exceptional | Exceptional | Exceptional | Sound | Sound | $306Fees | 0.153%Below | 40 | |
7 | First BankBank | Exceptional | Exceptional | Strong | Strong | Sound | $850Fees | 0.438%Above | 19 | |
8 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,991Fees | 0.051%Below | 246 | |
9 | Wells Fargo Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $1,608Fees | 0.104%Above | 102 | |
10 | American Security Mortgage Corp.Independent Mortgage Company | Exceptional | Strong | Strong | Strong | Strong | $2,172Fees | 0.054%Above | 94 | |
11 | First Heritage Mortgage, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,262Fees | 0.251%Above | 59 | |
12 | Fifth Third Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $58Credit | 0.034%Above | 55 | |
13 | NBKC BANKBank | Exceptional | Exceptional | Strong | Sound | Sound | $216Fees | 0.203%Below | 33 | |
14 | PNC Bank, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Sound | $445Fees | 0.024%Below | 24 | |
15 | Morgan Stanley Private Bank, National AssociationBank | Exceptional | Exceptional | Strong | Sound | Sound | $538Fees | 0.501%Below | 18 | |
16 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Sound | $784Fees | 0.073%Below | 16 | |
17 | North State BankBank | Exceptional | Exceptional | Sound | Strong | Sound | $1,484Fees | 0.175%Above | 16 | |
18 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,971Fees | 0.237%Above | 511 | |
19 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,211Fees | 0.065%Above | 427 | |
20 | CORPORATE INVESTORS MORTGAGE GROUP, INCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $2,957Fees | 0.106%Above | 193 | |
21 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,400Fees | 0.135%Below | 114 | |
22 | VELOCIO MORTGAGE L.L.C.Independent Mortgage Company | Strong | Strong | Strong | Sound | Strong | $482Fees | 0.889%Below | 75 | |
23 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,602Fees | 0.213%Above | 257 | |
24 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $1,708Fees | 0.012%Above | 96 | |
25 | General Mortgage Capital CorporationIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $1,397Fees | 0.105%Below | 55 | |
26 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $1,747Fees | 0.206%Above | 42 | |
27 | Ameris BankBank | Strong | Sound | Exceptional | Strong | Sound | $3,079Fees | 0.202%Above | 38 | |
28 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Strong | Strong | Sound | Sound | $1,591Fees | 0.093%Above | 28 | |
29 | The Central Trust BankBank | Strong | Sound | Exceptional | Strong | Sound | $1,841Fees | 0.214%Above | 25 | |
30 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $3,729Fees | 0.259%Above | 24 | |
31 | First Horizon BankBank | Strong | Sound | Exceptional | Strong | Sound | $1,687Fees | 0.085%Above | 18 | |
32 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,024Fees | 0.106%Above | 14 | |
33 | First-Citizens Bank & Trust CompanyBank | Strong | Sound | Strong | Sound | Strong | $1,160Fees | 0.012%Below | 136 | |
34 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,976Fees | 0.346%Above | 110 | |
35 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,109Fees | 0.417%Above | 106 | |
36 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,364Fees | 0.292%Above | 103 | |
37 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,562Fees | 0.337%Above | 84 | |
38 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,969Fees | 0.106%Above | 68 | |
39 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $294Credit | 0.003%Below | 62 | |
40 | COASTAL Federal Credit UnionCredit Union | Strong | Sound | Strong | Sound | Strong | $2,265Fees | 0.144%Above | 61 | |
41 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,970Fees | 0.130%Above | 51 | |
42 | ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,396Fees | 0.243%Above | 38 | |
43 | Alcova Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $1,715Fees | 0.195%Above | 26 | |
44 | INTERCOASTAL MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Sound | $1,558Fees | 0.264%Above | 25 | |
45 | EQUITY RESOURCES, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Sound | $1,271Fees | 0.076%Above | 18 | |
46 | Heritage Mortgage, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Sound | $3,635Fees | 0.319%Above | 15 | |
47 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,288Fees | 0.066%Above | 46 | |
48 | M/I FINANCIAL, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $3,738Fees | 0.141%Below | 44 | |
49 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,447Fees | 0.254%Above | 34 | |
50 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,111Fees | 0.355%Above | 32 |
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.