Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | TRAILBLAZER MORTGAGE L.L.C.Independent Mortgage Company | Exceptional | Exceptional | Strong | Exceptional | $2,377Fees | 0.472%Below | 770 | |
2 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Sound | Exceptional | $739Fees | 0.483%Below | 1,780 | |
3 | DELTA COMMUNITY CREDIT UNIONCredit Union | Exceptional | Exceptional | Sound | Exceptional | $2,355Fees | 0.437%Below | 929 | |
4 | Truist BankBank | Exceptional | Strong | Strong | Exceptional | $959Fees | 0.057%Above | 1,612 | |
5 | PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company | Exceptional | Exceptional | Sound | Strong | $1,478Fees | 0.097%Below | 719 | |
6 | FBC MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | $2,110Fees | 0.006%Above | 490 | |
7 | First Federal BankBank | Exceptional | Exceptional | Sound | Strong | $1,649Fees | 0.010%Below | 458 | |
8 | NBKC BANKBank | Exceptional | Exceptional | Sound | Strong | $772Fees | 0.177%Below | 319 | |
9 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $2,909Fees | 0.131%Above | 11,272 | |
10 | Ameris BankBank | Strong | Sound | Exceptional | Exceptional | $3,175Fees | 0.190%Above | 4,440 | |
11 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $2,837Fees | 0.193%Above | 1,807 | |
12 | Wells Fargo Bank, National AssociationBank | Strong | Strong | Sound | Exceptional | $2,123Fees | 0.025%Above | 1,450 | |
13 | Bank of America, National AssociationBank | Strong | Strong | Strong | Strong | $1,609Fees | 0.151%Below | 926 | |
14 | COLONY BANKBank | Strong | Sound | Exceptional | Exceptional | $2,178Fees | 0.290%Above | 610 | |
15 | U.S. Bank National AssociationBank | Strong | Strong | Strong | Strong | $294Fees | 0.060%Below | 445 | |
16 | ROBINS FINANCIALCredit Union | Strong | Strong | Strong | Strong | $1,735Fees | 0.258%Below | 355 | |
17 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | $3,013Fees | 0.016%Below | 2,166 | |
18 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | $2,648Fees | 0.165%Above | 1,970 | |
19 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Exceptional | $2,474Fees | 0.113%Above | 1,962 | |
20 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | $1,987Fees | 0.009%Above | 1,954 | |
21 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Sound | Strong | Exceptional | $3,505Fees | 0.286%Above | 1,526 | |
22 | Regions BankBank | Strong | Sound | Strong | Exceptional | $2,457Fees | 0.228%Above | 1,121 | |
23 | SouthState Bank, National AssociationBank | Strong | Sound | Strong | Exceptional | $2,321Fees | 0.144%Above | 1,005 | |
24 | Synovus BankBank | Strong | Sound | Strong | Exceptional | $2,220Fees | 0.059%Above | 893 | |
25 | Capital City Home Loans, LLCIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | $2,167Fees | 0.305%Above | 822 | |
26 | MORTGAGE ASSURANCE, INC.Independent Mortgage Company | Strong | Sound | Strong | Exceptional | $2,243Fees | 0.112%Above | 562 | |
27 | First Heritage Mortgage, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | $2,936Fees | 0.289%Above | 512 | |
28 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | $2,805Fees | 0.214%Above | 399 | |
29 | FirstBankBank | Strong | Sound | Exceptional | Strong | $2,238Fees | 0.288%Above | 292 | |
30 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $4,205Fees | 0.286%Above | 13,981 | |
31 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,676Fees | 0.426%Above | 3,242 | |
32 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $2,666Fees | 0.280%Above | 2,603 | |
33 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,012Fees | 0.316%Above | 2,399 | |
34 | BANKSOUTH MORTGAGE COMPANY, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $4,153Fees | 0.252%Above | 2,119 | |
35 | Renasant BankBank | Strong | Acceptable | Exceptional | Exceptional | $3,111Fees | 0.178%Above | 1,064 | |
36 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | $1,316Fees | 0.799%Above | 803 | |
37 | NexBankBank | Strong | Sound | Strong | Strong | $2,261Fees | 0.300%Above | 563 | |
38 | Associated Credit UnionCredit Union | Strong | Sound | Sound | Exceptional | $4,072Fees | 1.254%Below | 481 | |
39 | First Horizon BankBank | Strong | Sound | Strong | Strong | $1,274Fees | 0.112%Above | 303 | |
40 | Cadence BankBank | Strong | Sound | Strong | Strong | $2,624Fees | 0.116%Above | 282 | |
41 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $2,325Fees | 0.493%Above | 3,330 | |
42 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $4,060Fees | 0.556%Above | 2,044 | |
43 | CANOPY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $4,537Fees | 0.366%Above | 1,308 | |
44 | Flagstar Bank, N.A.Bank | Strong | Acceptable | Strong | Exceptional | $2,823Fees | 0.364%Above | 1,161 | |
45 | ZILLOW HOME LOANS, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $2,923Fees | 0.332%Above | 947 | |
46 | ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,148Fees | 0.327%Above | 883 | |
47 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,225Fees | 0.217%Above | 725 | |
48 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,683Fees | 0.464%Above | 597 | |
49 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,690Fees | 0.508%Above | 585 | |
50 | Magnolia Bank, IncorporatedBank | Strong | Acceptable | Exceptional | Strong | $3,165Fees | 0.161%Above | 536 |
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.