Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Morgan Stanley Private Bank, National Association BankDirect | Exceptional | Exceptional | Strong | — | $331Fees | 0.449%Below | 7,167 | |
2 | NAVY FEDERAL CREDIT UNION Credit UnionDirect | Strong | Exceptional | Sound | — | $749Fees | 0.493%Below | 31,887 | |
3 | NBKC BANK BankDirect | Strong | Exceptional | Sound | — | $560Fees | 0.167%Below | 7,357 | |
4 | Bank of America, National Association BankDirect | Strong | Strong | Strong | — | $1,021Fees | 0.175%Below | 25,155 | |
5 | U.S. Bank National Association BankDirect | Strong | Strong | Strong | — | $283Fees | 0.033%Above | 37,416 | |
6 | Citibank, National Association BankDirect | Strong | Exceptional | Sound | — | $568Credit | 0.252%Below | 10,757 | |
7 | FLAT BRANCH MORTGAGE, INC. Independent Mortgage CompanyDirect | Strong | Sound | Exceptional | — | $1,570Fees | 0.401%Above | 13,335 | |
8 | Manufacturers and Traders Trust Company BankDirect | Strong | Strong | Strong | — | $1,064Fees | 0.105%Above | 7,577 | |
9 | Truist Bank BankDirect | Strong | Strong | Strong | — | $802Fees | 0.078%Above | 13,874 | |
10 | PROVIDENT FUNDING ASSOCIATES, L.P. Independent Mortgage CompanyWholesale | Strong | Exceptional* | Sound | — | $1,206Fees | 0.101%Below | 12,582 | |
11 | The Huntington National Bank BankDirect | Strong | Strong | Strong | — | $415Fees | 0.374%Above | 18,842 | |
12 | UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale | Strong | Sound* | Exceptional | — | $2,828Fees | 0.185%Above | 285,901 | |
13 | PNC Bank, National Association BankDirect | Strong | Strong | Strong | — | $186Fees | 0.120%Above | 11,250 | |
14 | Citizens Bank, National Association BankDirect | Strong | Strong | Strong | — | $1,074Fees | 0.029%Above | 9,612 | |
15 | VANDERBILT MORTGAGE AND FINANCE, INC. Independent Mortgage CompanyDirect | Strong | Sound | Exceptional | — | $3,102Fees | 0.063%Above | 7,432 | |
16 | ARK-LA-TEX FINANCIAL SERVICES, LLC. Independent Mortgage CompanyDirect & Wholesale | Strong | Sound* | Exceptional | — | $2,079Fees | 0.294%Above | 14,849 | |
17 | ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Acceptable* | Exceptional | — | $3,881Fees | 0.334%Above | 266,411 | |
18 | LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Sound* | Strong | — | $2,582Fees | 0.136%Above | 57,340 | |
19 | Ameris Bank BankDirect | Strong | Sound | Exceptional | — | $2,801Fees | 0.172%Above | 11,244 | |
20 | Fifth Third Bank, National Association BankDirect | Strong | Strong | Strong | — | $542Fees | 0.263%Above | 10,811 | |
21 | FREEDOM MORTGAGE CORPORATION Independent Mortgage CompanyDirect & Wholesale | Strong | Sound* | Strong | — | $2,402Fees | 0.164%Above | 37,313 | |
22 | Wells Fargo Bank, National Association BankDirect | Strong | Strong | Sound | — | $1,660Fees | 0.017%Below | 34,079 | |
23 | JPMorgan Chase Bank, National Association BankDirect & Wholesale | Strong | Sound* | Strong | — | $2,283Fees | 0.135%Above | 67,126 | |
24 | FIRST COMMUNITY MORTGAGE, INC. Independent Mortgage CompanyDirect & Wholesale | Strong | Acceptable* | Exceptional | — | $2,818Fees | 0.429%Above | 9,840 | |
25 | PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale | Sound | Sound* | Strong | — | $1,952Fees | 0.038%Above | 35,887 | |
26 | MOVEMENT MORTGAGE, LLC Independent Mortgage CompanyDirect | Sound | Acceptable | Exceptional | — | $2,921Fees | 0.343%Above | 51,046 | |
27 | Flagstar Bank, N.A. BankDirect & Wholesale | Sound | Acceptable* | Strong | — | $2,572Fees | 0.351%Above | 23,726 | |
28 | THE LOAN STORE, INC. Independent Mortgage CompanyWholesale | Sound | Acceptable* | Strong | — | $2,398Fees | 0.284%Above | 16,835 | |
29 | Bell Bank BankDirect | Sound | Acceptable | Exceptional | — | $2,876Fees | 0.274%Above | 7,696 | |
30 | CMG MORTGAGE, INC. Independent Mortgage CompanyDirect | Sound | Acceptable | Exceptional | — | $2,940Fees | 0.289%Above | 46,733 | |
31 | Prosperity Home Mortgage, LLC Independent Mortgage CompanyDirect | Sound | Acceptable | Strong | — | $2,384Fees | 0.287%Above | 18,786 | |
32 | MUTUAL OF OMAHA MORTGAGE, INC. Independent Mortgage CompanyDirect | Sound | Sound | Sound | — | $2,029Fees | 0.181%Above | 11,542 | |
33 | KIND LENDING, LLC Independent Mortgage CompanyWholesale | Sound | Acceptable* | Strong | — | $2,761Fees | 0.348%Above | 13,399 | |
34 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP Independent Mortgage CompanyDirect & Wholesale | Sound | Acceptable* | Exceptional | — | $3,469Fees | 0.467%Above | 11,689 | |
35 | Sierra Pacific Mortgage Company, Inc. Independent Mortgage CompanyDirect & Wholesale | Sound | Acceptable* | Strong | — | $3,577Fees | 0.263%Above | 7,145 | |
36 | GUARANTEED RATE, INC. Independent Mortgage CompanyDirect | Sound | Sound | Strong | — | $2,477Fees | 0.229%Above | 51,353 | |
37 | PRIMELENDING, A PLAINSCAPITAL COMPANY Independent Mortgage CompanyDirect | Sound | Acceptable | Exceptional | — | $3,445Fees | 0.321%Above | 21,082 | |
38 | NFM, INC. Independent Mortgage CompanyDirect | Sound | Acceptable | Exceptional | — | $3,705Fees | 0.346%Above | 16,100 | |
39 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect | Sound | Acceptable | Exceptional | — | $3,254Fees | 0.445%Above | 61,160 | |
40 | GUILD MORTGAGE COMPANY LLC Independent Mortgage CompanyDirect | Sound | Acceptable | Exceptional | — | $3,553Fees | 0.387%Above | 58,550 | |
41 | BAY EQUITY LLC Independent Mortgage CompanyDirect | Sound | Sound | Strong | — | $2,852Fees | 0.180%Above | 9,468 | |
42 | PLAZA HOME MORTGAGE, INC. Independent Mortgage CompanyWholesale | Sound | Acceptable* | Strong | — | $2,801Fees | 0.380%Above | 11,165 | |
43 | DAS Acquisition Company, LLC Independent Mortgage CompanyDirect | Sound | Acceptable | Exceptional | — | $2,766Fees | 0.587%Above | 7,507 | |
44 | Mortgage Research Center, LLC Independent Mortgage CompanyDirect | Sound | Acceptable | Strong | — | $1,956Fees | 0.540%Above | 60,588 | |
45 | UNION HOME MORTGAGE CORP. Independent Mortgage CompanyDirect & Wholesale | Sound | Acceptable* | Exceptional | — | $2,996Fees | 0.562%Above | 23,240 | |
46 | Plains Commerce Bank BankWholesale | Sound | Acceptable* | Strong | — | $2,989Fees | 0.278%Above | 11,610 | |
47 | Regions Bank BankDirect | Sound | Sound | Strong | — | $1,948Fees | 0.333%Above | 10,811 | |
48 | Paramount Residential Mortgage Group, Inc. Independent Mortgage CompanyDirect & Wholesale | Sound | Acceptable* | Strong | — | $3,279Fees | 0.479%Above | 17,073 | |
49 | LOWER, LLC Independent Mortgage CompanyDirect & Wholesale | Sound | Acceptable* | Strong | — | $2,834Fees | 0.450%Above | 15,793 | |
50 | USAA Federal Savings Bank BankDirect | Sound | Sound | Sound | — | $1,831Fees | 0.129%Below | 12,100 |
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.