Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | LAKE MICHIGAN CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Exceptional | Strong | $1,393Fees | 0.071%Below | 726 | |
2 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Exceptional | $828Fees | 0.499%Below | 3,310 | |
3 | Suncoast Credit UnionCredit Union | Exceptional | Exceptional | Strong | Strong | Exceptional | $710Credit | 0.847%Below | 1,473 | |
4 | PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,709Fees | 0.085%Below | 1,003 | |
5 | Wells Fargo Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Exceptional | $2,202Fees | 0.023%Below | 2,427 | |
6 | Bank of America, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,723Fees | 0.145%Below | 2,030 | |
7 | Citizens First BankBank | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,311Fees | 0.417%Above | 1,851 | |
8 | Truist BankBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,221Fees | 0.078%Above | 1,767 | |
9 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $910Fees | 0.042%Above | 1,658 | |
10 | Morgan Stanley Private Bank, National AssociationBank | Exceptional | Exceptional | Strong | Sound | Strong | $356Fees | 0.414%Below | 726 | |
11 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,500Fees | 0.023%Above | 5,290 | |
12 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,670Fees | 0.197%Above | 4,800 | |
13 | SPACE COAST CREDIT UNIONCredit Union | Exceptional | Strong | Strong | Sound | Exceptional | $451Fees | 0.120%Below | 1,012 | |
14 | MIDFLORIDACredit Union | Exceptional | Strong | Strong | Sound | Exceptional | $1,031Fees | 0.041%Above | 938 | |
15 | Fifth Third Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $831Fees | 0.071%Above | 872 | |
16 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,415Fees | 0.281%Above | 38,081 | |
17 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,427Fees | 0.268%Above | 21,334 | |
18 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Exceptional | $1,895Fees | 0.181%Above | 3,538 | |
19 | Ameris BankBank | Strong | Sound | Exceptional | Strong | Strong | $2,570Fees | 0.236%Above | 1,655 | |
20 | SouthState Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $2,520Fees | 0.231%Above | 1,255 | |
21 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,519Fees | 0.503%Above | 833 | |
22 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Strong | Strong | Sound | Strong | $2,612Fees | 0.168%Above | 753 | |
23 | First Horizon BankBank | Strong | Sound | Exceptional | Strong | Strong | $1,584Fees | 0.108%Above | 685 | |
24 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,162Fees | 0.266%Above | 652 | |
25 | First Federal BankBank | Strong | Strong | Strong | Sound | Strong | $1,711Fees | 0.052%Below | 651 | |
26 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,523Fees | 0.631%Below | 631 | |
27 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,161Fees | 0.526%Above | 7,983 | |
28 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Sound | Exceptional | $2,662Fees | 0.118%Above | 4,424 | |
29 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,991Fees | 0.608%Above | 3,535 | |
30 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,407Fees | 0.378%Above | 3,386 | |
31 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,473Fees | 0.263%Above | 2,971 | |
32 | Flagstar Bank, N.A.Bank | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,266Fees | 0.357%Above | 2,796 | |
33 | Regions BankBank | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,339Fees | 0.216%Above | 2,282 | |
34 | Plains Commerce BankBank | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,381Fees | 0.426%Above | 1,767 | |
35 | MATTAMY HOME FUNDING, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $566Fees | 0.275%Above | 1,062 | |
36 | JET HOMELOANS, LPIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $2,062Fees | 0.562%Below | 841 | |
37 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,798Fees | 0.481%Above | 2,782 | |
38 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,471Fees | 0.244%Above | 2,579 | |
39 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,300Fees | 0.457%Above | 1,846 | |
40 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,651Fees | 0.404%Above | 1,626 | |
41 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,455Fees | 0.253%Above | 1,605 | |
42 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,123Fees | 0.368%Above | 1,516 | |
43 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,176Fees | 0.635%Above | 1,353 | |
44 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,222Fees | 0.329%Above | 1,310 | |
45 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,000Fees | 0.433%Above | 1,274 | |
46 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,914Fees | 0.359%Above | 1,134 | |
47 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,480Fees | 0.446%Above | 982 | |
48 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,285Fees | 0.349%Above | 760 | |
49 | SWBC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,915Fees | 0.405%Above | 742 | |
50 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,762Fees | 0.489%Above | 626 |
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.