Safe Rate Rankings
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| 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 | Exceptional | $2,202Fees | 0.023%Below | 2,427 | |
2 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Exceptional | $828Fees | 0.499%Below | 3,310 | |
3 | Bank of America, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,723Fees | 0.145%Below | 2,030 | |
4 | U.S. Bank National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $910Fees | 0.042%Above | 1,658 | |
5 | Suncoast Credit UnionCredit Union | Exceptional | Exceptional | Strong | Strong | Exceptional | $710Credit | 0.847%Below | 1,473 | |
6 | Morgan Stanley Private Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $356Fees | 0.414%Below | 726 | |
7 | SPACE COAST CREDIT UNIONCredit Union | Exceptional | Exceptional | Strong | Sound | Exceptional | $451Fees | 0.120%Below | 1,012 | |
8 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $3,471Fees | 0.244%Above | 2,579 | |
9 | Truist BankBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,221Fees | 0.078%Above | 1,767 | |
10 | Fifth Third Bank, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $831Fees | 0.071%Above | 872 | |
11 | LAKE MICHIGAN CREDIT UNIONCredit Union | Exceptional | Strong | Exceptional | Strong | Strong | $1,393Fees | 0.071%Below | 726 | |
12 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,415Fees | 0.281%Above | 38,081 | |
13 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,427Fees | 0.268%Above | 21,334 | |
14 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,670Fees | 0.197%Above | 4,800 | |
15 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,895Fees | 0.181%Above | 3,538 | |
16 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,407Fees | 0.378%Above | 3,386 | |
17 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,473Fees | 0.263%Above | 2,971 | |
18 | Regions BankBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,339Fees | 0.216%Above | 2,282 | |
19 | MIDFLORIDACredit Union | Exceptional | Strong | Strong | Sound | Exceptional | $1,031Fees | 0.041%Above | 938 | |
20 | VYSTAR CREDIT UNIONCredit Union | Exceptional | Strong | Exceptional | Sound | Strong | $2,462Fees | 0.024%Below | 719 | |
21 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Exceptional | $2,500Fees | 0.023%Above | 5,290 | |
22 | Citizens First BankBank | Strong | Sound | Sound | Exceptional | Exceptional | $1,311Fees | 0.417%Above | 1,851 | |
23 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,285Fees | 0.349%Above | 760 | |
24 | SWBC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,915Fees | 0.405%Above | 742 | |
25 | TD Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $975Fees | 0.238%Above | 707 | |
26 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,161Fees | 0.526%Above | 7,983 | |
27 | FBC MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Exceptional | $2,642Fees | 0.055%Above | 2,836 | |
28 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $3,176Fees | 0.635%Above | 1,353 | |
29 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $3,222Fees | 0.329%Above | 1,310 | |
30 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $3,319Fees | 0.270%Above | 1,103 | |
31 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Exceptional | $3,991Fees | 0.608%Above | 3,535 | |
32 | NEWREZ LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Exceptional | $2,830Fees | 0.390%Above | 3,238 | |
33 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Exceptional | $3,914Fees | 0.548%Above | 3,144 | |
34 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,798Fees | 0.481%Above | 2,782 | |
35 | Plains Commerce BankBank | Strong | Acceptable | Exceptional | Sound | Exceptional | $3,381Fees | 0.426%Above | 1,767 | |
36 | Ameris BankBank | Strong | Acceptable | Exceptional | Strong | Strong | $2,570Fees | 0.236%Above | 1,655 | |
37 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,651Fees | 0.404%Above | 1,626 | |
38 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,123Fees | 0.368%Above | 1,516 | |
39 | SouthState Bank, National AssociationBank | Strong | Acceptable | Exceptional | Strong | Strong | $2,520Fees | 0.231%Above | 1,255 | |
40 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $3,480Fees | 0.446%Above | 982 | |
41 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Strong | Sound | Acceptable | Strong | $2,612Fees | 0.168%Above | 753 | |
42 | First Horizon BankBank | Strong | Acceptable | Exceptional | Strong | Strong | $1,584Fees | 0.108%Above | 685 | |
43 | NFM, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,103Fees | 0.021%Above | 2,022 | |
44 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $3,000Fees | 0.433%Above | 1,274 | |
45 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $2,914Fees | 0.359%Above | 1,134 | |
46 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $3,300Fees | 0.457%Above | 1,846 | |
47 | Waterstone Mortgage CorporationIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $4,792Fees | 0.499%Above | 1,343 | |
48 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $4,838Fees | 0.432%Above | 884 | |
49 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $2,162Fees | 0.266%Above | 652 | |
50 | ANGEL OAK MORTGAGE SOLUTIONS LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,958Fees | 1.157%Above | 600 |
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.