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 | $466Fees | 0.871%Below | 441 | |
2 | STATE EMPLOYEES' Credit UnionDirect | Exceptional | Strong | Strong | Exceptional | $2,200Fees | 0.738%Below | 9,247 | |
3 | NAVY FEDERAL CREDIT UNION Credit UnionDirect | Strong | Exceptional | Sound | Exceptional | $706Fees | 0.541%Below | 2,526 | |
4 | First Bank BankDirect | Strong | Exceptional | Strong | Exceptional | $1,277Fees | 0.069%Above | 591 | |
5 | American Security Mortgage Corp. Independent Mortgage CompanyDirect | Strong | Sound | Strong | Exceptional | $1,873Fees | 0.113%Above | 2,629 | |
6 | Bank of America, National Association BankDirect | Strong | Strong | Strong | Strong | $1,682Fees | 0.152%Below | 1,494 | |
7 | North State Bank BankDirect | Strong | Exceptional | Strong | Strong | $1,047Fees | 0.002%Above | 453 | |
8 | Truist Bank BankDirect | Strong | Strong | Strong | Exceptional | $608Fees | 0.075%Above | 2,669 | |
9 | UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale | Strong | Sound* | Exceptional | Exceptional | $2,389Fees | 0.004%Above | 7,350 | |
10 | HomeTrust Bank BankDirect | Strong | Strong | Strong | Strong | $1,168Fees | 0.032%Above | 330 | |
11 | RELIANCE FIRST CAPITAL, LLC Independent Mortgage CompanyDirect | Strong | — | Exceptional | Strong | — | — | 457 | |
12 | NBKC BANK BankDirect | Strong | Exceptional | Sound | Strong | $590Fees | 0.215%Below | 434 | |
13 | ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Acceptable* | Exceptional | Exceptional | $3,832Fees | 0.311%Above | 11,593 | |
14 | U.S. Bank National Association BankDirect | Strong | Strong | Strong | Strong | $834Fees | 0.030%Above | 604 | |
15 | MATTAMY HOME FUNDING, LLC Independent Mortgage CompanyDirect | Strong | Strong | Strong | Strong | $1,312Fees | 0.569%Above | 533 | |
16 | JET HOMELOANS, LP Independent Mortgage CompanyDirect | Strong | Strong | Strong | Strong | $2,465Fees | 0.372%Below | 301 | |
17 | First National Bank of Pennsylvania BankDirect | Strong | Sound | Strong | Exceptional | $1,349Fees | 0.072%Above | 1,549 | |
18 | FOUNDERS FEDERAL CREDIT UNION Credit UnionDirect | Strong | Strong | Strong | Strong | $1,205Fees | 0.530%Below | 333 | |
19 | First-Citizens Bank & Trust Company BankDirect | Strong | Strong | Strong | Exceptional | $1,445Fees | 0.037%Below | 1,922 | |
20 | VANDERBILT MORTGAGE AND FINANCE, INC. Independent Mortgage CompanyDirect | Strong | Sound | Exceptional | Strong | $3,929Fees | 0.113%Above | 777 | |
21 | PROVIDENT FUNDING ASSOCIATES, L.P. Independent Mortgage CompanyWholesale | Strong | Exceptional* | Sound | Strong | $733Fees | 0.093%Below | 545 | |
22 | First Heritage Mortgage, LLC Independent Mortgage CompanyDirect | Strong | Sound | Exceptional | Strong | $2,293Fees | 0.225%Above | 385 | |
23 | MOVEMENT MORTGAGE, LLC Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Exceptional | $2,384Fees | 0.302%Above | 6,974 | |
24 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Exceptional | $3,434Fees | 0.390%Above | 4,640 | |
25 | LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Sound* | Strong | Exceptional | $2,642Fees | 0.102%Below | 2,722 | |
26 | GoPrime Mortgage, Inc. Independent Mortgage CompanyDirect & Wholesale | Strong | Sound* | Exceptional | Strong | $2,351Fees | 0.142%Above | 650 | |
27 | FREEDOM MORTGAGE CORPORATION Independent Mortgage CompanyDirect & Wholesale | Strong | Sound* | Strong | Exceptional | $1,744Fees | 0.008%Above | 2,212 | |
28 | Wells Fargo Bank, National Association BankDirect | Strong | Strong | Sound | Exceptional | $1,877Fees | 0.062%Above | 2,164 | |
29 | INTERCOASTAL MORTGAGE, LLC Independent Mortgage CompanyDirect | Strong | Sound | Exceptional | Strong | $1,577Fees | 0.311%Above | 507 | |
30 | Pinnacle Bank BankDirect | Strong | Strong | Strong | Strong | $1,976Fees | 0.144%Above | 421 | |
31 | JPMorgan Chase Bank, National Association BankDirect & Wholesale | Strong | Sound* | Strong | Exceptional | $1,815Fees | 0.063%Above | 2,074 | |
32 | Alcova Mortgage LLC Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Exceptional | $2,702Fees | 0.322%Above | 1,014 | |
33 | Truliant Federal Credit Union Credit UnionDirect | Strong | Strong | Sound | Strong | $888Fees | 0.349%Above | 532 | |
34 | Southern Bank and Trust Company BankDirect | Strong | Strong | Strong | Strong | $1,839Fees | 0.028%Above | 422 | |
35 | PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Sound* | Strong | Strong | $2,510Fees | 0.182%Below | 1,508 | |
36 | Towne Bank BankDirect | Strong | Acceptable | Exceptional | Strong | $3,358Fees | 0.304%Above | 904 | |
37 | PNC Bank, National Association BankDirect | Strong | Strong | Strong | Strong | $193Fees | 0.084%Above | 418 | |
38 | Fifth Third Bank, National Association BankDirect | Strong | Strong | Strong | Strong | $197Fees | 0.059%Above | 579 | |
39 | Ameris Bank BankDirect | Strong | Sound | Exceptional | Strong | $2,982Fees | 0.195%Above | 549 | |
40 | Uwharrie Bank BankDirect | Strong | Sound | Strong | Strong | $1,506Fees | 0.253%Above | 330 | |
41 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Exceptional | $3,054Fees | 0.456%Above | 2,765 | |
42 | GUARANTEED RATE, INC. Independent Mortgage CompanyDirect | Strong | Sound | Strong | Exceptional | $2,453Fees | 0.207%Above | 2,007 | |
43 | Atlantic Coast Mortgage, LLC Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Strong | $3,040Fees | 0.346%Above | 399 | |
44 | CORPORATE INVESTORS MORTGAGE GROUP, INC Independent Mortgage CompanyDirect | Strong | Sound | Strong | Strong | $2,770Fees | 0.145%Above | 375 | |
45 | Mortgage Research Center, LLC Independent Mortgage CompanyDirect | Strong | Acceptable | Strong | Exceptional | $1,929Fees | 0.617%Above | 3,470 | |
46 | CMG MORTGAGE, INC. Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Strong | $2,037Fees | 0.173%Above | 1,052 | |
47 | Prosperity Home Mortgage, LLC Independent Mortgage CompanyDirect | Strong | Acceptable | Strong | Strong | $2,299Fees | 0.277%Above | 1,034 | |
48 | HOWARD HANNA FINANCIAL SERVICES, INC. Independent Mortgage CompanyDirect | Strong | Acceptable | Strong | Strong | $2,188Fees | 0.253%Above | 744 | |
49 | The Fidelity Bank BankDirect | Strong | Sound | Strong | Strong | $1,715Fees | 0.321%Above | 331 | |
50 | SouthState Bank, National Association BankDirect | Strong | Sound | Strong | Strong | $2,219Fees | 0.189%Above | 297 |
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.