Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | JET HOMELOANS, LPIndependent Mortgage Company | Exceptional | Exceptional | Exceptional | Exceptional | Strong | $3,492Fees | 0.275%Below | 98 | |
2 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $3,025Fees | 0.320%Below | 381 | |
3 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Exceptional | $440Fees | 0.514%Below | 269 | |
4 | CORNERSTONE CAPITAL BANK, SSBBank | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,191Fees | 0.370%Above | 175 | |
5 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,954Fees | 0.203%Below | 309 | |
6 | GoPrime Mortgage, Inc.Independent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Strong | $548Fees | 0.340%Below | 51 | |
7 | NBKC BANKBank | Exceptional | Exceptional | Exceptional | Strong | Sound | $479Fees | 0.361%Below | 22 | |
8 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,304Fees | 0.111%Above | 277 | |
9 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,599Fees | 0.099%Below | 163 | |
10 | American Security Mortgage Corp.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,807Fees | 0.041%Below | 151 | |
11 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $3,311Fees | 0.554%Below | 93 | |
12 | First-Citizens Bank & Trust CompanyBank | Exceptional | Exceptional | Strong | Sound | Strong | $1,453Fees | 0.104%Below | 55 | |
13 | First Horizon BankBank | Exceptional | Exceptional | Strong | Strong | Sound | $1,716Fees | 0.047%Above | 26 | |
14 | USAA Federal Savings BankBank | Exceptional | Strong | Exceptional | Sound | Strong | $1,611Fees | 0.200%Below | 99 | |
15 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $1,428Fees | 0.229%Below | 15 | |
16 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,930Fees | 0.356%Above | 427 | |
17 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,881Fees | 0.035%Above | 82 | |
18 | HOMESPIRE MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | Strong | $768Fees | 0.075%Below | 61 | |
19 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Exceptional | Sound | $2,461Fees | 0.178%Above | 42 | |
20 | VISION LENDING SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | Strong | $4,174Fees | 0.350%Below | 34 | |
21 | PENTAGON FEDERAL CREDIT UNIONCredit Union | Strong | Strong | Exceptional | Sound | Sound | $2,024Fees | 0.079%Below | 21 | |
22 | AAFMAA Mortgage Services LLCIndependent Mortgage Company | Strong | Strong | Strong | Strong | Sound | $415Fees | 0.081%Above | 20 | |
23 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | Sound | $4,029Fees | 0.088%Above | 15 | |
24 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,526Fees | 0.859%Above | 786 | |
25 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,424Fees | 0.090%Above | 84 | |
26 | Alcova Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,404Fees | 0.224%Above | 76 | |
27 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,083Fees | 0.065%Below | 52 | |
28 | ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,521Fees | 0.091%Above | 50 | |
29 | LoanUnited.com, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $3,337Fees | 0.376%Below | 44 | |
30 | Truist BankBank | Strong | Strong | Strong | Sound | Sound | $1,300Fees | 0.066%Above | 43 | |
31 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $3,034Fees | 0.248%Above | 40 | |
32 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $1,596Fees | 0.130%Above | 36 | |
33 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,531Fees | 0.310%Above | 207 | |
34 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,943Fees | 0.118%Above | 162 | |
35 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,101Fees | 0.171%Above | 62 | |
36 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,785Fees | 0.385%Above | 59 | |
37 | MORTGAGE SOLUTIONS OF COLORADO, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,709Fees | 0.518%Above | 51 | |
38 | Wells Fargo Bank, National AssociationBank | Strong | Sound | Exceptional | Sound | Sound | $2,419Fees | 0.338%Above | 42 | |
39 | Primis Mortgage CompanyIndependent Mortgage Company | Strong | Sound | Strong | Strong | Sound | $1,378Fees | 0.161%Above | 25 | |
40 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $2,727Fees | 0.231%Above | 14 | |
41 | SOUTHERN TRUST MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,254Fees | 0.237%Above | 144 | |
42 | GoodLeap, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Sound | $2,552Fees | 0.210%Above | 36 | |
43 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,473Fees | 0.152%Above | 33 | |
44 | ENCOMPASS LENDING GROUP, LPIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $2,701Fees | 0.230%Above | 31 | |
45 | Mid-Continent Funding, Inc.Independent Mortgage Company | Strong | Sound | Strong | Sound | Sound | $2,602Fees | 0.424%Below | 23 | |
46 | Integrity Home Mortgage CorporationIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $1,651Fees | 0.179%Above | 22 | |
47 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,127Fees | 0.418%Above | 19 | |
48 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $4,094Fees | 0.343%Above | 37 | |
49 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $3,526Fees | 0.789%Above | 17 | |
50 | VILLAGE CAPITAL & INVESTMENT LLCIndependent Mortgage Company | Sound | Acceptable | Strong | Sound | Sound | $2,724Fees | 0.289%Below | 16 |
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.