Safe Rate Rankings
Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | FBC MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Exceptional | Exceptional | Exceptional | Strong | $2,314Fees | 0.182%Above | 196 | |
2 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,197Fees | 0.428%Above | 3,600 | |
3 | Fifth Third Bank, National AssociationBank | Exceptional | Exceptional | Strong | Strong | Exceptional | $904Fees | 0.353%Above | 740 | |
4 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $985Fees | 0.356%Above | 1,087 | |
5 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,178Fees | 0.393%Above | 709 | |
6 | Abound Federal Credit UnionCredit Union | Exceptional | Exceptional | — | Strong | Exceptional | $227Credit | 0.162%Below | 375 | |
7 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $585Fees | 0.460%Below | 358 | |
8 | INTERLINC MORTGAGE SERVICES, LLCIndependent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Strong | $2,509Fees | 0.596%Above | 328 | |
9 | Old National BankBank | Exceptional | Exceptional | Strong | Strong | Strong | $939Fees | 0.138%Below | 240 | |
10 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Strong | $3,196Fees | 0.140%Above | 156 | |
11 | GoPrime Mortgage, Inc.Independent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Strong | $1,521Fees | 0.509%Above | 95 | |
12 | VICTORY MORTGAGE, L.L.C.Independent Mortgage Company | Exceptional | Strong | Strong | Strong | Exceptional | $897Fees | 0.033%Above | 782 | |
13 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Exceptional | $1,997Fees | 0.255%Above | 756 | |
14 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,775Fees | 0.513%Above | 746 | |
15 | SOUTH CENTRAL BANK, INC.Bank | Exceptional | Strong | Strong | Strong | Exceptional | $1,173Fees | 0.186%Above | 455 | |
16 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,791Fees | 0.246%Above | 428 | |
17 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,493Fees | 0.369%Above | 402 | |
18 | The Huntington National BankBank | Exceptional | Strong | Exceptional | Strong | Strong | $66Fees | 0.365%Above | 369 | |
19 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,632Fees | 0.013%Above | 352 | |
20 | KIND LENDING, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,773Fees | 0.539%Above | 274 | |
21 | REPUBLIC STATE MORTGAGE CO.Independent Mortgage Company | Exceptional | Strong | Strong | Exceptional | Strong | $2,957Fees | 0.470%Above | 246 | |
22 | GERSHMAN INVESTMENT CORP.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,025Fees | 0.451%Above | 177 | |
23 | Stock Yards Bank & Trust CompanyBank | Exceptional | Strong | Strong | Sound | Exceptional | $879Fees | 0.133%Above | 700 | |
24 | USAA Federal Savings BankBank | Exceptional | Strong | Exceptional | Sound | Strong | $1,699Fees | 0.172%Below | 233 | |
25 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,233Fees | 0.618%Above | 131 | |
26 | Renasant BankBank | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,138Fees | 0.146%Above | 129 | |
27 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,455Fees | 0.463%Above | 3,590 | |
28 | Northpointe BankBank | Strong | Sound | Strong | Strong | Exceptional | $3,158Fees | 0.331%Above | 801 | |
29 | Truist BankBank | Strong | Strong | Strong | Sound | Strong | $1,079Credit | 0.293%Above | 397 | |
30 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,164Fees | 0.414%Above | 304 | |
31 | FIRST EQUITY MORTGAGE INCORPORATEDIndependent Mortgage Company | Strong | Strong | Strong | Sound | Strong | $838Fees | 0.362%Above | 273 | |
32 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,351Fees | 0.521%Above | 223 | |
33 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,298Fees | 0.410%Above | 215 | |
34 | German American BankBank | Strong | Strong | Strong | Sound | Strong | $1,010Fees | 0.307%Above | 204 | |
35 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $1,930Fees | 0.391%Above | 195 | |
36 | Plains Commerce BankBank | Strong | Sound | Exceptional | Strong | Strong | $2,225Fees | 0.461%Above | 191 | |
37 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,459Fees | 0.366%Above | 176 | |
38 | WesBanco Bank, Inc.Bank | Strong | Strong | Strong | Sound | Strong | $1,612Fees | 0.147%Above | 144 | |
39 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,896Fees | 0.265%Above | 139 | |
40 | THE MORTGAGE WAREHOUSE,LLCIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | Strong | $1,580Fees | 0.260%Above | 119 | |
41 | STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,888Fees | 0.437%Above | 2,284 | |
42 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,949Fees | 0.626%Above | 1,311 | |
43 | RUOFF MORTGAGE COMPANY, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,939Fees | 0.361%Above | 685 | |
44 | Magnolia Bank, IncorporatedBank | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,615Fees | 0.307%Above | 671 | |
45 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,204Fees | 0.498%Above | 612 | |
46 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,800Fees | 0.634%Above | 492 | |
47 | ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,366Fees | 0.493%Above | 463 | |
48 | Bank of EnglandBank | Strong | Sound | Strong | Strong | Strong | $3,142Fees | 0.499%Above | 328 | |
49 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,778Fees | 0.360%Above | 294 | |
50 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,920Fees | 0.395%Above | 206 |
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.