Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Suncoast Credit UnionCredit Union | Exceptional | Exceptional | Strong | Exceptional | $566Credit | 0.688%Below | 70 | |
2 | FBC MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | $1,065Fees | 0.058%Above | 30 | |
3 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $3,001Fees | 0.254%Above | 250 | |
4 | Truist BankBank | Strong | Strong | Strong | Strong | $1,427Fees | 0.124%Above | 38 | |
5 | NAVY FEDERAL CREDIT UNIONCredit Union | Strong | Exceptional | Sound | Sound | $304Fees | 0.252%Below | 27 | |
6 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,827Fees | 0.365%Above | 278 | |
7 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | $1,401Fees | 0.260%Above | 58 | |
8 | Regions BankBank | Strong | Sound | Strong | Strong | $1,002Fees | 0.431%Above | 40 | |
9 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Strong | $2,087Fees | 0.242%Above | 37 | |
10 | Wells Fargo Bank, National AssociationBank | Strong | Strong | Sound | Sound | $2,324Fees | 0.156%Above | 29 | |
11 | MIDFLORIDACredit Union | Strong | Strong | Sound | Sound | $1,000Fees | 0.266%Below | 21 | |
12 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $1,410Fees | 0.836%Above | 108 | |
13 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,185Fees | 0.521%Above | 85 | |
14 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,778Fees | 0.495%Above | 35 | |
15 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | $4,156Fees | 0.196%Above | 31 | |
16 | THE MORTGAGE FIRM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,022Fees | 0.410%Above | 26 | |
17 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | $1,262Fees | 0.248%Above | 24 | |
18 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $4,264Fees | 0.598%Above | 89 | |
19 | RMC HOME MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,884Fees | 0.585%Above | 57 | |
20 | Flagstar Bank, N.A.Bank | Strong | Acceptable | Strong | Strong | $2,405Fees | 0.281%Above | 31 | |
21 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Sound | $3,155Fees | 0.497%Above | 25 | |
22 | USAA Federal Savings BankBank | Strong | Sound | Sound | Sound | $1,100Fees | 0.061%Above | 21 | |
23 | EVERETT FINANCIAL, INC.Independent Mortgage Company | Sound | Mediocre | Exceptional | Strong | $3,023Fees | 0.705%Above | 73 | |
24 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Sound | Acceptable | Strong | Sound | $1,751Fees | 0.333%Above | 26 | |
25 | Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company | Sound | Acceptable | Strong | Sound | $2,521Fees | 0.815%Above | 23 | |
26 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Sound | Acceptable | Strong | Sound | $3,094Fees | 0.497%Above | 23 | |
27 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Acceptable | Sound | Sound | $4,027Fees | 0.509%Above | 20 |
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.