Safe Rate Rankings
Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.
| 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 | $2,123Fees | 0.025%Above | 1,450 | |
2 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Exceptional | $739Fees | 0.483%Below | 1,780 | |
3 | DELTA COMMUNITY CREDIT UNIONCredit Union | Exceptional | Exceptional | Strong | Strong | Exceptional | $2,355Fees | 0.437%Below | 929 | |
4 | Bank of America, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,609Fees | 0.151%Below | 926 | |
5 | U.S. Bank National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $294Fees | 0.060%Below | 445 | |
6 | Truist BankBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $959Fees | 0.057%Above | 1,612 | |
7 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $3,505Fees | 0.286%Above | 1,526 | |
8 | Synovus BankBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,220Fees | 0.059%Above | 893 | |
9 | Associated Credit UnionCredit Union | Exceptional | Strong | Strong | Strong | Exceptional | $4,072Fees | 1.254%Below | 481 | |
10 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,205Fees | 0.286%Above | 13,981 | |
11 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,909Fees | 0.131%Above | 11,272 | |
12 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,666Fees | 0.280%Above | 2,603 | |
13 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,474Fees | 0.113%Above | 1,962 | |
14 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,987Fees | 0.009%Above | 1,954 | |
15 | Regions BankBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,457Fees | 0.228%Above | 1,121 | |
16 | Renasant BankBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,111Fees | 0.178%Above | 1,064 | |
17 | COLONY BANKBank | Strong | Sound | — | Exceptional | Exceptional | $2,178Fees | 0.290%Above | 610 | |
18 | SWBC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,796Fees | 0.310%Above | 506 | |
19 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $4,015Fees | 0.336%Above | 419 | |
20 | Ameris BankBank | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,175Fees | 0.190%Above | 4,440 | |
21 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,676Fees | 0.426%Above | 3,242 | |
22 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,012Fees | 0.316%Above | 2,399 | |
23 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,060Fees | 0.556%Above | 2,044 | |
24 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Strong | Sound | Strong | Sound | Exceptional | $2,837Fees | 0.193%Above | 1,807 | |
25 | SouthState Bank, National AssociationBank | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,321Fees | 0.144%Above | 1,005 | |
26 | Capital City Home Loans, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Exceptional | $2,167Fees | 0.305%Above | 822 | |
27 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $3,617Fees | 0.428%Above | 374 | |
28 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Exceptional | $3,041Fees | 0.463%Above | 3,205 | |
29 | BANKSOUTH MORTGAGE COMPANY, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $4,153Fees | 0.252%Above | 2,119 | |
30 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,134Fees | 0.225%Above | 1,019 | |
31 | ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,148Fees | 0.327%Above | 883 | |
32 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Strong | Sound | Acceptable | Strong | $3,100Fees | 0.255%Above | 564 | |
33 | NexBankBank | Strong | Acceptable | Exceptional | Strong | Strong | $2,261Fees | 0.300%Above | 563 | |
34 | FBC MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $2,110Fees | 0.006%Above | 490 | |
35 | Onward Home Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $3,641Fees | 0.302%Above | 458 | |
36 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,626Fees | 0.258%Above | 451 | |
37 | First Horizon BankBank | Strong | Acceptable | Exceptional | Strong | Strong | $1,274Fees | 0.112%Above | 303 | |
38 | NEWREZ LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $3,041Fees | 0.339%Above | 842 | |
39 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $3,392Fees | 0.449%Above | 740 | |
40 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $2,569Fees | 0.398%Above | 736 | |
41 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $3,355Fees | 0.503%Above | 599 | |
42 | EVERETT FINANCIAL, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Sound | Exceptional | $5,167Fees | 0.797%Above | 1,971 | |
43 | Flagstar Bank, N.A.Bank | Strong | Mediocre | Exceptional | Sound | Exceptional | $2,823Fees | 0.364%Above | 1,161 | |
44 | First Option Mortgage, LLCIndependent Mortgage Company | Strong | Mediocre | Strong | Strong | Exceptional | $4,729Fees | 0.871%Above | 1,045 | |
45 | HOMEOWNERS FINANCIAL GROUP USA, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Sound | Exceptional | $4,631Fees | 0.354%Above | 822 | |
46 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $3,683Fees | 0.464%Above | 597 | |
47 | Cadence BankBank | Strong | Mediocre | Exceptional | Strong | Strong | $2,624Fees | 0.116%Above | 282 | |
48 | SOUTHEAST MORTGAGE OF GEORGIA, INC.Independent Mortgage Company | Sound | Mediocre | — | Strong | Exceptional | $4,587Fees | 0.541%Above | 1,129 | |
49 | United Community BankBank | Sound | Mediocre | Strong | Sound | Exceptional | $2,219Fees | 0.458%Above | 1,000 | |
50 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $3,690Fees | 0.508%Above | 585 |
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.