Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Exceptional | $574Fees | 0.550%Below | 484 | |
2 | STATE EMPLOYEES'Credit Union | Exceptional | Strong | Exceptional | Strong | Strong | $2,061Fees | 0.690%Below | 51 | |
3 | First BankBank | Exceptional | Exceptional | Strong | Strong | Sound | $977Fees | 0.028%Below | 15 | |
4 | American Security Mortgage Corp.Independent Mortgage Company | Exceptional | Strong | Strong | Strong | Strong | $2,900Fees | 0.081%Above | 50 | |
5 | Truist BankBank | Exceptional | Strong | Exceptional | Strong | Sound | $2,274Fees | 0.108%Below | 18 | |
6 | North State BankBank | Exceptional | Exceptional | Sound | Strong | Sound | $1,908Fees | 0.243%Above | 12 | |
7 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,220Fees | 0.259%Above | 221 | |
8 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,706Fees | 0.001%Above | 84 | |
9 | Wells Fargo Bank, National AssociationBank | Strong | Strong | Exceptional | Sound | Sound | $2,134Fees | 0.224%Above | 24 | |
10 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,725Fees | 0.022%Above | 314 | |
11 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Sound | Exceptional | $867Fees | 0.148%Below | 287 | |
12 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $802Fees | 0.205%Above | 235 | |
13 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,512Fees | 0.576%Below | 130 | |
14 | ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,653Fees | 0.245%Above | 65 | |
15 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Strong | Strong | Sound | Sound | $3,557Fees | 0.573%Above | 24 | |
16 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,865Fees | 0.026%Below | 23 | |
17 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Sound | $1,513Fees | 0.707%Above | 12 | |
18 | NEWREZ LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Exceptional | $733Fees | 0.030%Above | 216 | |
19 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,490Fees | 0.161%Below | 113 | |
20 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,619Fees | 0.268%Above | 83 | |
21 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,483Fees | 0.223%Above | 58 | |
22 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,841Fees | 0.160%Above | 45 | |
23 | LOANSTEADY LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $1,152Fees | 0.052%Below | 33 | |
24 | INTERCOASTAL MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Sound | $559Fees | 0.023%Below | 24 | |
25 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Acceptable | $6,374Fees | 0.088%Below | 10 | |
26 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Exceptional | $5,279Fees | 0.536%Above | 414 | |
27 | Integrity Home Mortgage CorporationIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $1,654Fees | 0.244%Above | 97 | |
28 | First-Citizens Bank & Trust CompanyBank | Strong | Sound | Strong | Sound | Sound | $1,640Fees | 0.069%Below | 35 | |
29 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,026Fees | 0.140%Below | 28 | |
30 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,765Fees | 0.324%Above | 23 | |
31 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,271Fees | 0.167%Above | 22 | |
32 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $1,662Fees | 0.059%Below | 15 | |
33 | Primis Mortgage CompanyIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $2,692Fees | 0.162%Above | 32 | |
34 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Acceptable | $2,961Fees | 0.116%Above | 10 | |
35 | AAFMAA Mortgage Services LLCIndependent Mortgage Company | Sound | Sound | Mediocre | Acceptable | Strong | $891Fees | 0.173%Below | 44 |
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.