Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | STATE EMPLOYEES'Credit Union | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,053Fees | 0.653%Below | 198 | |
2 | Truist BankBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,088Fees | 0.060%Below | 138 | |
3 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Sound | $558Fees | 0.502%Below | 31 | |
4 | American Security Mortgage Corp.Independent Mortgage Company | Exceptional | Strong | Strong | Strong | Strong | $2,445Fees | 0.015%Below | 61 | |
5 | Bank of America, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Sound | $2,589Fees | 0.170%Below | 14 | |
6 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,188Fees | 0.321%Above | 175 | |
7 | ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,529Fees | 0.417%Above | 122 | |
8 | Alcova Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,664Fees | 0.067%Above | 86 | |
9 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $2,249Fees | 0.180%Below | 44 | |
10 | Wells Fargo Bank, National AssociationBank | Strong | Strong | Exceptional | Sound | Sound | $1,989Fees | 0.138%Below | 16 | |
11 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,902Fees | 0.153%Above | 43 | |
12 | Southern Bank and Trust CompanyBank | Strong | Sound | Strong | Strong | Strong | $1,189Fees | 0.080%Above | 37 | |
13 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $4,304Fees | 0.169%Above | 19 | |
14 | Towne BankBank | Strong | Acceptable | Strong | Strong | Exceptional | $2,634Fees | 0.345%Above | 76 | |
15 | First-Citizens Bank & Trust CompanyBank | Strong | Sound | Strong | Sound | Strong | $1,494Fees | 0.001%Above | 47 | |
16 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,814Fees | 0.405%Above | 40 | |
17 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Sound | $3,384Fees | 0.439%Below | 17 | |
18 | Integrity Home Mortgage CorporationIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $4,021Fees | 0.446%Above | 30 | |
19 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,473Fees | 0.294%Above | 18 | |
20 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,877Fees | 0.553%Above | 17 | |
21 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,388Fees | 0.238%Above | 12 | |
22 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $2,158Fees | 1.177%Above | 17 | |
23 | AFFORDABLE MORTGAGE ADVISORS, LLC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Sound | $3,745Fees | 0.470%Above | 15 | |
24 | TIDEWATER MORTGAGE SERVICES, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Sound | $3,363Fees | 0.237%Above | 10 | |
25 | NEWREZ LLCIndependent Mortgage Company | Sound | Acceptable | Exceptional | Sound | Acceptable | $1,435Fees | 0.218%Above | 10 | |
26 | SUCCESS MORTGAGE PARTNERS, INC.Independent Mortgage Company | Sound | Mediocre | Strong | Sound | Sound | $2,881Fees | 0.389%Above | 12 |
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.