Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | First Reliance BankBank | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,714Fees | 0.114%Above | 227 | |
2 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,232Fees | 0.538%Below | 122 | |
3 | Truist BankBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,666Fees | 0.149%Above | 152 | |
4 | First National Bank of PennsylvaniaBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,136Fees | 0.021%Above | 70 | |
5 | Bank of America, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,623Fees | 0.016%Below | 60 | |
6 | PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company | Exceptional | Exceptional | Exceptional | Sound | Sound | $2,278Fees | 0.100%Below | 29 | |
7 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,685Fees | 0.360%Below | 331 | |
8 | SouthState Bank, National AssociationBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,577Fees | 0.219%Above | 235 | |
9 | First Heritage Mortgage, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,552Fees | 0.173%Above | 149 | |
10 | Wells Fargo Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $2,260Fees | 0.099%Above | 142 | |
11 | Fifth Third Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $252Fees | 0.072%Below | 75 | |
12 | First Palmetto BankBank | Exceptional | Strong | Strong | Strong | Strong | $1,261Fees | 0.259%Above | 49 | |
13 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Sound | $247Fees | 0.099%Above | 39 | |
14 | STATE EMPLOYEES'Credit Union | Exceptional | Strong | Exceptional | Strong | Sound | $2,383Fees | 0.584%Below | 31 | |
15 | PNC Bank, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Sound | $923Fees | 0.244%Above | 29 | |
16 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,144Fees | 0.318%Above | 1,063 | |
17 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,971Fees | 0.196%Above | 606 | |
18 | CountybankBank | Strong | Sound | Strong | Strong | Exceptional | $2,007Fees | 0.250%Above | 234 | |
19 | ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,092Fees | 0.403%Above | 213 | |
20 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $2,085Fees | 0.135%Above | 195 | |
21 | Ameris BankBank | Strong | Sound | Exceptional | Strong | Strong | $2,565Fees | 0.226%Above | 139 | |
22 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,042Fees | 0.087%Above | 93 | |
23 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Strong | Strong | Sound | Strong | $2,682Fees | 0.235%Above | 73 | |
24 | Truliant Federal Credit UnionCredit Union | Strong | Strong | Strong | Sound | Strong | $930Fees | 0.208%Above | 65 | |
25 | FOUNDERS FEDERAL CREDIT UNIONCredit Union | Strong | Strong | Strong | Sound | Strong | $204Credit | 0.171%Below | 59 | |
26 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,957Fees | 0.129%Above | 653 | |
27 | Southern First BankBank | Strong | Sound | Strong | Sound | Exceptional | $1,745Fees | 0.220%Above | 395 | |
28 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,940Fees | 0.363%Above | 268 | |
29 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,151Fees | 0.589%Above | 251 | |
30 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $1,398Fees | 0.029%Above | 94 | |
31 | DELMAR FINANCIAL COMPANYIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $2,975Fees | 0.336%Above | 59 | |
32 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,752Fees | 0.478%Above | 44 | |
33 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,929Fees | 0.174%Above | 43 | |
34 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,490Fees | 0.591%Above | 211 | |
35 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $2,450Fees | 0.296%Above | 183 | |
36 | First-Citizens Bank & Trust CompanyBank | Strong | Sound | Strong | Sound | Strong | $1,454Fees | 0.069%Below | 155 | |
37 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,793Fees | 0.500%Above | 152 | |
38 | Renasant BankBank | Strong | Acceptable | Exceptional | Strong | Strong | $2,124Fees | 0.139%Above | 109 | |
39 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,430Fees | 0.534%Above | 100 | |
40 | Flagstar Bank, N.A.Bank | Strong | Acceptable | Exceptional | Strong | Strong | $2,052Fees | 0.268%Above | 87 | |
41 | The Park National BankBank | Strong | Acceptable | Exceptional | Strong | Strong | $1,350Fees | 0.427%Above | 82 | |
42 | United Community BankBank | Strong | Acceptable | Exceptional | Strong | Strong | $2,504Fees | 0.448%Above | 71 | |
43 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,967Fees | 0.260%Above | 70 | |
44 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,826Fees | 0.479%Above | 68 | |
45 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,172Fees | 0.424%Above | 63 | |
46 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,088Fees | 0.619%Above | 60 | |
47 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,792Fees | 0.171%Above | 58 | |
48 | Pinnacle BankBank | Strong | Sound | Strong | Strong | Sound | $2,157Fees | 0.013%Below | 30 | |
49 | RESOURCE FINANCIAL SERVICES, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Sound | $2,742Fees | 0.266%Above | 28 | |
50 | GO MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $3,760Fees | 0.619%Above | 69 |
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.