Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Acceptable* | Exceptional | Exceptional | Exceptional | $4,090Fees | 0.171%Above | 204 | |
2 | First Heritage Mortgage, LLC Independent Mortgage CompanyDirect | Strong | Sound | Exceptional | Exceptional | Exceptional | $2,317Fees | 0.107%Above | 193 | |
3 | UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale | Strong | Acceptable* | Exceptional | Exceptional | Exceptional | $2,862Fees | 0.050%Below | 121 | |
4 | Truist Bank BankDirect | Strong | Strong | Exceptional | Strong | Strong | $2,251Fees | 0.301%Above | 60 | |
5 | NAVY FEDERAL CREDIT UNION Credit UnionDirect | Strong | Exceptional | Exceptional | Sound | Strong | $847Fees | 0.333%Below | 43 | |
6 | Virginia Credit Union, Inc. Credit UnionDirect | Strong | Strong | Strong | Strong | Strong | $2,320Fees | 0.055%Above | 32 | |
7 | CAPITAL CENTER, L.L.C. Independent Mortgage CompanyDirect | Strong | Strong | Strong | Strong | Strong | $1,131Fees | 0.085%Above | 32 | |
8 | Bank of America, National Association BankDirect | Strong | Strong | Exceptional | Strong | Sound | $1,320Fees | 0.280%Below | 23 | |
9 | Atlantic Coast Mortgage, LLC Independent Mortgage CompanyDirect | Strong | Sound | Exceptional | Strong | Strong | $3,306Fees | 0.042%Above | 84 | |
10 | Fulton Bank, National Association BankDirect | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,634Fees | 0.290%Above | 135 | |
11 | CMG MORTGAGE, INC. Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Strong | Strong | $2,529Fees | 0.128%Above | 66 | |
12 | GRAY FOX MORTGAGE, LLC Independent Mortgage CompanyDirect | Strong | Acceptable | Strong | Strong | Exceptional | $2,560Fees | 0.336%Above | 150 | |
13 | MOVEMENT MORTGAGE, LLC Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Strong | Strong | $3,459Fees | 0.230%Above | 38 | |
14 | JPMorgan Chase Bank, National Association BankDirect & Wholesale | Strong | Sound* | Exceptional | Strong | Sound | $1,420Fees | 0.170%Above | 21 | |
15 | Prosperity Home Mortgage, LLC Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Strong | Strong | $1,231Fees | 0.466%Above | 62 | |
16 | NFM, INC. Independent Mortgage CompanyDirect | Strong | Mediocre | Exceptional | Strong | Strong | $3,552Fees | 0.485%Above | 77 | |
17 | FIRST COMMUNITY MORTGAGE, INC. Independent Mortgage CompanyDirect & Wholesale | Strong | Acceptable* | Exceptional | Strong | Strong | $2,564Fees | 0.251%Above | 39 | |
18 | Wells Fargo Bank, National Association BankDirect | Strong | Strong | Exceptional | Sound | Sound | $1,543Fees | 0.134%Below | 21 | |
19 | GUILD MORTGAGE COMPANY LLC Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Strong | Strong | $2,352Fees | 0.207%Above | 33 | |
20 | INTERCOASTAL MORTGAGE, LLC Independent Mortgage CompanyDirect | Strong | Sound | Strong | Strong | Sound | $2,265Fees | 0.014%Below | 15 | |
21 | LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Sound* | Exceptional | Strong | Sound | $3,591Fees | 0.359%Above | 13 | |
22 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,706Fees | 0.136%Above | 22 | |
23 | United Bank BankDirect | Strong | Sound | Strong | Strong | Sound | $1,560Fees | 0.158%Above | 18 | |
24 | Ixonia Bank BankDirect | Strong | Mediocre | Exceptional | Strong | Strong | $5,330Fees | 0.455%Above | 48 | |
25 | CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Strong | Sound | $3,645Fees | 0.505%Above | 22 | |
26 | GUARANTEED RATE, INC. Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Strong | Sound | $1,163Fees | 0.259%Below | 15 | |
27 | UNION HOME MORTGAGE CORP. Independent Mortgage CompanyDirect & Wholesale | Strong | Acceptable* | Exceptional | Strong | Sound | $2,586Fees | 0.274%Above | 19 | |
28 | Alcova Mortgage LLC Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Exceptional | Sound | $908Fees | 0.514%Above | 13 | |
29 | Waterstone Mortgage Corporation Independent Mortgage CompanyDirect | Sound | Mediocre | Exceptional | Strong | Strong | $4,990Fees | 0.332%Above | 37 | |
30 | C & F Mortgage Corporation Independent Mortgage CompanyDirect | Sound | Acceptable | Strong | Strong | Sound | $2,010Fees | 0.364%Above | 21 | |
31 | PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale | Sound | Sound* | Exceptional | Sound | Sound | $1,976Fees | 0.328%Below | 17 | |
32 | MUTUAL OF OMAHA MORTGAGE, INC. Independent Mortgage CompanyDirect | Sound | Strong | Strong | Sound | Acceptable | $2,753Fees | 0.249%Below | 10 | |
33 | Atlantic Union Bank BankDirect | Sound | Sound | Strong | Strong | Sound | $1,691Fees | 0.081%Above | 17 | |
34 | Towne First Mortgage, LLC Independent Mortgage CompanyDirect | Sound | Acceptable | Sound | Strong | Strong | $1,913Fees | 0.333%Above | 49 | |
35 | FREEDOM MORTGAGE CORPORATION Independent Mortgage CompanyDirect & Wholesale | Sound | Sound* | Strong | Sound | Strong | $2,696Fees | 0.136%Above | 33 | |
36 | NATIONSTAR MORTGAGE LLC Independent Mortgage CompanyDirect | Sound | Acceptable | Exceptional | Strong | Sound | $3,037Fees | 0.325%Above | 22 | |
37 | NEWREZ LLC Independent Mortgage CompanyDirect & Wholesale | Sound | Acceptable* | Exceptional | Sound | Sound | $3,482Fees | 0.003%Above | 11 | |
38 | TOTAL MORTGAGE SERVICES, LLC Independent Mortgage CompanyDirect | Sound | Acceptable | Exceptional | Strong | Acceptable | $5,661Fees | 0.261%Above | 10 | |
39 | ROSS MORTGAGE CORPORATION Independent Mortgage CompanyDirect | Sound | Acceptable | Strong | Sound | Sound | $4,346Fees | 0.284%Above | 21 | |
40 | GO MORTGAGE, LLC Independent Mortgage CompanyDirect | Sound | Acceptable | Strong | Strong | Sound | $5,168Fees | 0.689%Above | 16 | |
41 | EMBRACE HOME LOANS, INC. Independent Mortgage CompanyDirect | Sound | Acceptable | Strong | Sound | Sound | $1,956Fees | 0.058%Above | 12 | |
42 | SOFI BANK, NATIONAL ASSOCIATION BankDirect | Sound | Strong | Strong | Acceptable | Sound | $599Fees | 0.085%Below | 10 | |
43 | USAA Federal Savings Bank BankDirect | Sound | Sound | Strong | Acceptable | Sound | $2,030Fees | 0.145%Below | 17 | |
44 | Towne Mortgage, LLC Independent Mortgage CompanyDirect | Sound | Mediocre | Sound | Strong | Sound | $4,611Fees | 0.141%Above | 14 | |
45 | Farm Credit of the Virginias, ACA Independent Mortgage CompanyDirect | Acceptable | Mediocre | Acceptable | Acceptable | Sound | $877Fees | 1.578%Above | 13 |
Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.
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.
⚖️ Licensing & Disclosures
Lender rankings and market statistics are created by Dylan Hall, licensed mortgage loan officer (NMLS #1658740). Safe Rate is a mortgage technology platform; mortgage lending services are provided by PartnerOwn LLC dba Safe Rate Mortgage, a licensed mortgage broker and lender (NMLS #1590949). Safe Rate Mortgage is a lending partner of some of the lenders ranked on this page, and Safe Rate Inc. has software or service customers on this list; however, all rankings are calculated using objective, public Home Mortgage Disclosure Act (HMDA) datasets, completely independent of any corporate partnerships, client relationships, or compensation.