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Safe Rate Rankings
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Exceptional | $844 | -0.523% | 646 | |
2 | U.S. Bank National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $312 | -0.027% | 312 | |
3 | Wells Fargo Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,947 | -0.061% | 203 | |
4 | Bank of America, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,644 | -0.264% | 174 | |
5 | COMMUNITY FIRST CREDIT UNION OF FLO | Exceptional | Exceptional | Strong | Sound | Exceptional | -$836 | -0.150% | 204 | |
6 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Sound | $469 | -0.407% | 66 | |
7 | VYSTAR CREDIT UNION | Exceptional | Strong | Exceptional | Sound | Exceptional | $2,527 | -0.015% | 501 | |
8 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Strong | $1,154 | +0.032% | 128 | |
9 | Fifth Third Bank, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $912 | +0.007% | 77 | |
10 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,045 | +0.144% | 3,026 | |
11 | ROCKET MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,314 | +0.206% | 1,737 | |
12 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,093 | +0.229% | 488 | |
13 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Sound | Exceptional | $3,134 | +0.055% | 481 | |
14 | Regions Bank | Strong | Sound | Exceptional | Strong | Strong | $2,518 | -0.012% | 251 | |
15 | CMG MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $3,183 | +0.421% | 229 | |
16 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $2,306 | +0.286% | 186 | |
17 | Ameris Bank | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,859 | +0.284% | 745 | |
18 | Renasant Bank | Strong | Sound | Exceptional | Strong | Sound | $2,958 | +0.058% | 65 | |
19 | TD Bank, National Association | Strong | Sound | Exceptional | Strong | Sound | $784 | +0.086% | 58 | |
20 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,273 | +0.446% | 415 | |
21 | Capital City Home Loans, LLC | Strong | Sound | Strong | Sound | Strong | $2,369 | +0.239% | 113 | |
22 | Bank of England | Strong | Acceptable | Strong | Acceptable | Exceptional | $2,300 | +0.155% | 510 | |
23 | EVERETT FINANCIAL, INC. | Sound | Mediocre | Exceptional | Sound | Strong | $4,428 | +0.658% | 199 |
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.
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