Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | VELOCIO MORTGAGE L.L.C. Independent Mortgage CompanyDirect | Exceptional | Exceptional | Exceptional | Strong | $734Fees | 1.117%Below | 76 | |
2 | NATION ONE MORTGAGE CORPORATION Independent Mortgage CompanyDirect | Strong | Strong | Exceptional | Strong | — | — | 69 | |
3 | UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale | Strong | Sound* | Exceptional | Exceptional | $3,250Fees | 0.203%Above | 326 | |
4 | NAVY FEDERAL CREDIT UNION Credit UnionDirect | Strong | Exceptional | Sound | Strong | $1,206Fees | 0.556%Below | 75 | |
5 | ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Acceptable* | Exceptional | Exceptional | $4,182Fees | 0.305%Above | 599 | |
6 | VANDERBILT MORTGAGE AND FINANCE, INC. Independent Mortgage CompanyDirect | Strong | Sound | Exceptional | Exceptional | $2,565Fees | 0.114%Below | 209 | |
7 | FBC MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Strong* | Exceptional | Strong | $1,852Fees | 0.577%Below | 93 | |
8 | STATE EMPLOYEES' Credit UnionDirect | Strong | Strong | Strong | Strong | $2,095Fees | 0.617%Below | 70 | |
9 | Bank of America, National Association BankDirect | Strong | Strong | Strong | Strong | $1,598Fees | 0.208%Above | 63 | |
10 | LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Sound* | Strong | Exceptional | $3,336Fees | 0.118%Below | 337 | |
11 | JET HOMELOANS, LP Independent Mortgage CompanyDirect | Strong | Strong | Strong | Sound | $2,045Fees | 0.215%Below | 33 | |
12 | Truist Bank BankDirect | Strong | Strong | Strong | Strong | $716Fees | 0.114%Above | 70 | |
13 | First Reliance Bank BankDirect & Wholesale | Strong | Strong* | Strong | Strong | $2,456Fees | 0.194%Above | 63 | |
14 | MOVEMENT MORTGAGE, LLC Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Exceptional | $2,706Fees | 0.477%Above | 267 | |
15 | T2 FINANCIAL LLC Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Exceptional | $4,161Fees | 0.726%Above | 244 | |
16 | Ameris Bank BankDirect | Strong | Sound | Exceptional | Strong | $2,800Fees | 0.524%Above | 111 | |
17 | Wells Fargo Bank, National Association BankDirect | Strong | Strong | Sound | Strong | $1,944Fees | 0.149%Above | 99 | |
18 | SouthState Bank, National Association BankDirect | Strong | Sound | Strong | Strong | $1,955Fees | 0.291%Above | 76 | |
19 | TIDEWATER MORTGAGE SERVICES, INC. Independent Mortgage CompanyDirect | Strong | Acceptable | Strong | Exceptional | $3,545Fees | 0.235%Above | 188 | |
20 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Strong | $2,834Fees | 0.614%Above | 185 | |
21 | Gateway First Bank BankDirect | Strong | Acceptable | Strong | Strong | $2,488Fees | 0.686%Above | 169 | |
22 | CMG MORTGAGE, INC. Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Strong | $2,972Fees | 0.374%Above | 125 | |
23 | First-Citizens Bank & Trust Company BankDirect | Strong | Strong | Strong | Strong | $1,328Fees | 0.026%Below | 61 | |
24 | PNC Bank, National Association BankDirect | Strong | Strong | Strong | Sound | $1,019Fees | 0.235%Above | 36 | |
25 | First National Bank of Pennsylvania BankDirect | Strong | Sound | Strong | Sound | $1,532Fees | 0.077%Above | 35 | |
26 | GUARANTEED RATE, INC. Independent Mortgage CompanyDirect | Strong | Sound | Strong | Strong | $2,665Fees | 0.299%Above | 157 | |
27 | FREEDOM MORTGAGE CORPORATION Independent Mortgage CompanyDirect & Wholesale | Strong | Sound* | Strong | Strong | $2,452Fees | 0.001%Below | 58 | |
28 | Alcova Mortgage LLC Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Strong | $3,176Fees | 0.600%Above | 52 | |
29 | United Bank BankDirect | Strong | Sound | Strong | Sound | $2,643Fees | 0.234%Above | 29 | |
30 | Flagstar Bank, N.A. BankDirect & Wholesale | Strong | Acceptable* | Strong | Strong | $2,607Fees | 0.446%Above | 83 | |
31 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Strong | $3,821Fees | 0.708%Above | 71 | |
32 | JPMorgan Chase Bank, National Association BankDirect & Wholesale | Strong | Sound* | Strong | Sound | $2,467Fees | 0.314%Above | 53 | |
33 | GUILD MORTGAGE COMPANY LLC Independent Mortgage CompanyDirect | Sound | Acceptable | Exceptional | Strong | $3,474Fees | 0.462%Above | 101 | |
34 | PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale | Sound | Sound* | Strong | Sound | $2,735Fees | 0.114%Above | 46 | |
35 | FIRST COLONY MORTGAGE CORPORATION Independent Mortgage CompanyDirect & Wholesale | Sound | Sound* | Exceptional | Sound | $1,123Fees | 0.022%Below | 24 | |
36 | Coastal Carolina National Bank BankDirect | Sound | Acceptable | Strong | Exceptional | $1,411Fees | 0.783%Above | 140 | |
37 | LOWER, LLC Independent Mortgage CompanyDirect & Wholesale | Sound | Acceptable* | Strong | Strong | $3,218Fees | 0.499%Above | 137 | |
38 | Mortgage Research Center, LLC Independent Mortgage CompanyDirect | Sound | Acceptable | Strong | Strong | $3,731Fees | 0.748%Above | 125 | |
39 | Magnolia Bank, Incorporated BankDirect & Wholesale | Sound | Acceptable* | Exceptional | Sound | $2,138Fees | 0.443%Above | 24 | |
40 | AMERICAN FINANCIAL NETWORK, INC. Independent Mortgage CompanyDirect & Wholesale | Sound | Acceptable* | Strong | Strong | $3,817Fees | 0.602%Above | 99 | |
41 | UNION HOME MORTGAGE CORP. Independent Mortgage CompanyDirect & Wholesale | Sound | Acceptable* | Exceptional | Strong | $2,865Fees | 0.638%Above | 70 | |
42 | THE LOAN STORE, INC. Independent Mortgage CompanyWholesale | Sound | Acceptable* | Strong | Sound | $3,473Fees | 0.536%Above | 26 | |
43 | MUTUAL OF OMAHA MORTGAGE, INC. Independent Mortgage CompanyDirect | Sound | Sound | Sound | Sound | $2,924Fees | 0.187%Above | 30 | |
44 | EQUITY RESOURCES, INC. Independent Mortgage CompanyDirect | Sound | Sound | Strong | Sound | $1,508Fees | 0.235%Above | 26 | |
45 | Plains Commerce Bank BankWholesale | Sound | Acceptable* | Strong | Sound | $2,752Fees | 0.452%Above | 48 | |
46 | CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect | Sound | Acceptable | Strong | Strong | $3,603Fees | 0.418%Above | 80 | |
47 | NEWREZ LLC Independent Mortgage CompanyDirect & Wholesale | Sound | Acceptable* | Sound | Strong | $3,188Fees | 0.541%Above | 78 | |
48 | SOUTHERN TRUST MORTGAGE, LLC Independent Mortgage CompanyDirect | Sound | Mediocre | Strong | Strong | $4,496Fees | 0.540%Above | 52 | |
49 | NATIONSTAR MORTGAGE LLC Independent Mortgage CompanyDirect | Sound | Acceptable | Strong | Sound | $3,709Fees | 0.418%Above | 52 | |
50 | PRIMELENDING, A PLAINSCAPITAL COMPANY Independent Mortgage CompanyDirect | Sound | Acceptable | Exceptional | Sound | $3,331Fees | 0.394%Above | 20 |
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.