Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | NAVY FEDERAL CREDIT UNION Credit UnionDirect | Strong | Exceptional | Sound | Exceptional | $440Fees | 0.514%Below | 269 | |
2 | UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale | Strong | Sound* | Exceptional | Exceptional | $3,025Fees | 0.320%Below | 381 | |
3 | JET HOMELOANS, LP Independent Mortgage CompanyDirect | Strong | Strong | Strong | Strong | $3,492Fees | 0.275%Below | 98 | |
4 | American Security Mortgage Corp. Independent Mortgage CompanyDirect | Strong | Sound | Strong | Exceptional | $1,807Fees | 0.041%Below | 151 | |
5 | STATE EMPLOYEES' Credit UnionDirect | Strong | Strong | Strong | Strong | $1,791Fees | 0.584%Below | 110 | |
6 | ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Acceptable* | Exceptional | Exceptional | $3,930Fees | 0.356%Above | 427 | |
7 | FREEDOM MORTGAGE CORPORATION Independent Mortgage CompanyDirect & Wholesale | Strong | Sound* | Strong | Exceptional | $1,954Fees | 0.203%Below | 309 | |
8 | Mortgage Research Center, LLC Independent Mortgage CompanyDirect | Strong | Acceptable | Strong | Exceptional | $1,526Fees | 0.859%Above | 786 | |
9 | MOVEMENT MORTGAGE, LLC Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Exceptional | $2,304Fees | 0.111%Above | 277 | |
10 | NBKC BANK BankDirect | Strong | Exceptional | Sound | Sound | $479Fees | 0.361%Below | 22 | |
11 | Truist Bank BankDirect | Strong | Strong | Strong | Sound | $1,300Fees | 0.066%Above | 43 | |
12 | RELIANCE FIRST CAPITAL, LLC Independent Mortgage CompanyDirect | Strong | — | Exceptional | Sound | — | — | 22 | |
13 | GoPrime Mortgage, Inc. Independent Mortgage CompanyDirect & Wholesale | Strong | Sound* | Exceptional | Strong | $548Fees | 0.340%Below | 51 | |
14 | Alcova Mortgage LLC Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Strong | $2,404Fees | 0.224%Above | 76 | |
15 | PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Sound* | Strong | Strong | $3,311Fees | 0.554%Below | 93 | |
16 | LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Sound* | Strong | Strong | $2,881Fees | 0.035%Above | 82 | |
17 | GUARANTEED RATE, INC. Independent Mortgage CompanyDirect | Strong | Sound | Strong | Strong | $2,599Fees | 0.099%Below | 163 | |
18 | First-Citizens Bank & Trust Company BankDirect | Strong | Strong | Strong | Strong | $1,453Fees | 0.104%Below | 55 | |
19 | CORNERSTONE CAPITAL BANK, SSB BankDirect | Strong | Acceptable | Strong | Exceptional | $2,191Fees | 0.370%Above | 175 | |
20 | UNION HOME MORTGAGE CORP. Independent Mortgage CompanyDirect & Wholesale | Strong | Acceptable* | Exceptional | Strong | $2,943Fees | 0.118%Above | 162 | |
21 | SOUTHERN TRUST MORTGAGE, LLC Independent Mortgage CompanyDirect | Strong | Mediocre | Strong | Exceptional | $4,254Fees | 0.237%Above | 144 | |
22 | JPMorgan Chase Bank, National Association BankDirect & Wholesale | Strong | Sound* | Strong | Strong | $1,775Fees | 0.021%Above | 55 | |
23 | Wells Fargo Bank, National Association BankDirect | Strong | Strong | Sound | Sound | $2,419Fees | 0.338%Above | 42 | |
24 | AAFMAA Mortgage Services LLC Independent Mortgage CompanyDirect | Strong | Strong | Sound | Sound | $415Fees | 0.081%Above | 20 | |
25 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect | Sound | Acceptable | Exceptional | Strong | $1,424Fees | 0.090%Above | 84 | |
26 | HOMESPIRE MORTGAGE CORPORATION Independent Mortgage CompanyDirect | Sound | Acceptable | Exceptional | Strong | $768Fees | 0.075%Below | 61 | |
27 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. Independent Mortgage CompanyDirect | Sound | Acceptable | Exceptional | Strong | $2,521Fees | 0.091%Above | 50 | |
28 | CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect | Sound | Acceptable | Strong | Strong | $3,531Fees | 0.310%Above | 207 | |
29 | USAA Federal Savings Bank BankDirect | Sound | Sound | Sound | Strong | $1,611Fees | 0.200%Below | 99 | |
30 | GUILD MORTGAGE COMPANY LLC Independent Mortgage CompanyDirect | Sound | Acceptable | Exceptional | Strong | $2,101Fees | 0.171%Above | 62 | |
31 | NFM, INC. Independent Mortgage CompanyDirect | Sound | Acceptable | Exceptional | Strong | $2,083Fees | 0.065%Below | 52 | |
32 | CMG MORTGAGE, INC. Independent Mortgage CompanyDirect | Sound | Acceptable | Exceptional | Sound | $2,461Fees | 0.178%Above | 42 | |
33 | First Horizon Bank BankDirect | Sound | Sound | Strong | Sound | $1,716Fees | 0.047%Above | 26 | |
34 | GoodLeap, LLC Independent Mortgage CompanyDirect | Sound | Sound | Sound | Sound | $2,552Fees | 0.210%Above | 36 | |
35 | PLAZA HOME MORTGAGE, INC. Independent Mortgage CompanyWholesale | Sound | Acceptable* | Strong | Sound | $3,034Fees | 0.248%Above | 40 | |
36 | NATIONSTAR MORTGAGE LLC Independent Mortgage CompanyDirect | Sound | Acceptable | Strong | Strong | $2,785Fees | 0.385%Above | 59 | |
37 | MORTGAGE SOLUTIONS OF COLORADO, LLC Independent Mortgage CompanyDirect & Wholesale | Sound | Acceptable* | Strong | Strong | $1,709Fees | 0.518%Above | 51 | |
38 | VISION LENDING SERVICES, LLC Independent Mortgage CompanyDirect | Sound | Acceptable | Sound | Strong | $4,174Fees | 0.350%Below | 34 | |
39 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. Independent Mortgage CompanyDirect | Sound | Mediocre | Strong | Sound | $2,473Fees | 0.152%Above | 33 | |
40 | Integrity Home Mortgage Corporation Independent Mortgage CompanyDirect | Sound | Acceptable | Exceptional | Sound | $1,651Fees | 0.179%Above | 22 | |
41 | Primis Mortgage Company Independent Mortgage CompanyDirect | Sound | Acceptable | Strong | Sound | $1,378Fees | 0.161%Above | 25 | |
42 | NEWREZ LLC Independent Mortgage CompanyDirect & Wholesale | Sound | Acceptable* | Sound | Sound | $1,596Fees | 0.130%Above | 36 | |
43 | Mid-Continent Funding, Inc. Independent Mortgage CompanyDirect | Sound | Sound | Sound | Sound | $2,602Fees | 0.424%Below | 23 | |
44 | NEW AMERICAN FUNDING, LLC Independent Mortgage CompanyDirect | Sound | Acceptable | Sound | Strong | $1,940Fees | 0.475%Above | 72 | |
45 | LoanUnited.com, LLC Independent Mortgage CompanyWholesale | Sound | Sound* | Sound | Strong | $3,337Fees | 0.376%Below | 44 | |
46 | ENCOMPASS LENDING GROUP, LP Independent Mortgage CompanyDirect | Sound | Acceptable | Sound | Strong | $2,701Fees | 0.230%Above | 31 | |
47 | PENTAGON FEDERAL CREDIT UNION Credit UnionDirect | Sound | Sound | Sound | Sound | $2,024Fees | 0.079%Below | 21 | |
48 | The Federal Savings Bank BankDirect | Sound | Mediocre | Sound | Sound | $3,798Fees | 0.787%Above | 41 | |
49 | CARRINGTON MORTGAGE SERVICES, LLC Independent Mortgage CompanyDirect | Sound | Acceptable | Sound | Sound | $4,094Fees | 0.343%Above | 37 | |
50 | NEW DAY FINANCIAL, LLC Independent Mortgage CompanyDirect | Acceptable | Mediocre | Acceptable | Strong | $5,368Fees | 0.941%Above | 55 |
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.