Safe Rate Rankings
Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.
| 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 | $612Fees | 0.852%Below | 184 | |
2 | STATE EMPLOYEES' Credit UnionDirect | Exceptional | Strong | Strong | Exceptional | $2,382Fees | 0.827%Below | 1,402 | |
3 | North State Bank BankDirect | Strong | Exceptional | Strong | Exceptional | $1,049Fees | 0.056%Below | 268 | |
4 | NAVY FEDERAL CREDIT UNION Credit UnionDirect | Strong | Exceptional | Sound | Strong | $788Fees | 0.641%Below | 286 | |
5 | UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale | Strong | Sound* | Exceptional | Exceptional | $1,482Fees | 0.050%Below | 1,409 | |
6 | Truist Bank BankDirect | Strong | Strong | Strong | Exceptional | $45Credit | 0.056%Below | 539 | |
7 | Bank of America, National Association BankDirect | Strong | Strong | Strong | Strong | $1,555Fees | 0.265%Below | 275 | |
8 | American Security Mortgage Corp. Independent Mortgage CompanyDirect | Strong | Sound | Strong | Exceptional | $1,970Fees | 0.103%Above | 403 | |
9 | MATTAMY HOME FUNDING, LLC Independent Mortgage CompanyDirect | Strong | Strong | Strong | Strong | $1,229Fees | 0.703%Above | 185 | |
10 | ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Acceptable* | Exceptional | Exceptional | $3,663Fees | 0.181%Above | 1,528 | |
11 | VANDERBILT MORTGAGE AND FINANCE, INC. Independent Mortgage CompanyDirect | Strong | Sound | Exceptional | Exceptional | $5,328Fees | 0.061%Above | 397 | |
12 | NBKC BANK BankDirect | Strong | Exceptional | Sound | Strong | $350Fees | 0.215%Below | 94 | |
13 | First Heritage Mortgage, LLC Independent Mortgage CompanyDirect | Strong | Sound | Exceptional | Strong | $2,342Fees | 0.280%Above | 177 | |
14 | PROVIDENT FUNDING ASSOCIATES, L.P. Independent Mortgage CompanyWholesale | Strong | Exceptional* | Sound | Strong | $478Fees | 0.146%Below | 188 | |
15 | First-Citizens Bank & Trust Company BankDirect | Strong | Strong | Strong | Exceptional | $1,572Fees | 0.130%Below | 363 | |
16 | JET HOMELOANS, LP Independent Mortgage CompanyDirect | Strong | Strong | Strong | Sound | $1,987Fees | 0.444%Below | 56 | |
17 | MOVEMENT MORTGAGE, LLC Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Exceptional | $2,003Fees | 0.208%Above | 903 | |
18 | GoPrime Mortgage, Inc. Independent Mortgage CompanyDirect & Wholesale | Strong | Sound* | Exceptional | Strong | $2,433Fees | 0.297%Above | 166 | |
19 | U.S. Bank National Association BankDirect | Strong | Strong | Strong | Sound | $392Fees | 0.031%Below | 67 | |
20 | LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Sound* | Strong | Strong | $2,034Fees | 0.142%Below | 372 | |
21 | First National Bank of Pennsylvania BankDirect | Strong | Sound | Strong | Strong | $1,078Fees | 0.019%Above | 140 | |
22 | FBC MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Strong* | Exceptional | Sound | $3,016Fees | 0.247%Below | 52 | |
23 | JPMorgan Chase Bank, National Association BankDirect & Wholesale | Strong | Sound* | Strong | Strong | $1,548Fees | 0.018%Above | 388 | |
24 | Wells Fargo Bank, National Association BankDirect | Strong | Strong | Sound | Strong | $1,919Fees | 0.006%Above | 306 | |
25 | General Mortgage Capital Corporation Independent Mortgage CompanyDirect | Strong | Sound | Strong | Strong | $922Fees | 0.100%Below | 98 | |
26 | PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Sound* | Strong | Strong | $1,943Fees | 0.070%Below | 280 | |
27 | FREEDOM MORTGAGE CORPORATION Independent Mortgage CompanyDirect & Wholesale | Strong | Sound* | Strong | Strong | $1,753Fees | 0.020%Below | 247 | |
28 | Towne Bank BankDirect | Strong | Acceptable | Exceptional | Strong | $3,376Fees | 0.312%Above | 208 | |
29 | Alcova Mortgage LLC Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Strong | $2,533Fees | 0.188%Above | 155 | |
30 | PNC Bank, National Association BankDirect | Strong | Strong | Strong | Strong | $371Credit | 0.028%Above | 85 | |
31 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Exceptional | $2,585Fees | 0.399%Above | 517 | |
32 | Prosperity Home Mortgage, LLC Independent Mortgage CompanyDirect | Strong | Acceptable | Strong | Strong | $2,006Fees | 0.263%Above | 313 | |
33 | M/I FINANCIAL, LLC Independent Mortgage CompanyDirect | Strong | Acceptable | Strong | Strong | $3,623Fees | 0.084%Below | 263 | |
34 | Fifth Third Bank, National Association BankDirect | Strong | Strong | Strong | Strong | $1,040Credit | 0.016%Below | 141 | |
35 | COASTAL Federal Credit Union Credit UnionDirect | Strong | Sound | Strong | Exceptional | $2,054Fees | 0.199%Above | 303 | |
36 | CMG MORTGAGE, INC. Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Strong | $608Fees | 0.154%Below | 245 | |
37 | CORPORATE INVESTORS MORTGAGE GROUP, INC Independent Mortgage CompanyDirect | Strong | Sound | Strong | Strong | $2,773Fees | 0.141%Above | 103 | |
38 | The Central Trust Bank BankDirect | Strong | Sound | Strong | Strong | $1,638Fees | 0.073%Above | 99 | |
39 | INTERCOASTAL MORTGAGE, LLC Independent Mortgage CompanyDirect | Strong | Sound | Exceptional | Sound | $2,077Fees | 0.475%Above | 56 | |
40 | Towne Mortgage of the Carolinas, LLC Independent Mortgage CompanyDirect | Strong | Acceptable | Strong | Exceptional | $3,010Fees | 0.200%Above | 224 | |
41 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Strong | $3,282Fees | 0.314%Above | 185 | |
42 | FIRST HOME MORTGAGE CORPORATION Independent Mortgage CompanyDirect | Strong | Mediocre | Exceptional | Strong | $3,200Fees | 0.355%Above | 223 | |
43 | GUARANTEED RATE, INC. Independent Mortgage CompanyDirect | Strong | Sound | Strong | Strong | $2,514Fees | 0.147%Above | 220 | |
44 | EQUITY RESOURCES, INC. Independent Mortgage CompanyDirect | Strong | Sound | Strong | Strong | $1,629Fees | 0.182%Above | 104 | |
45 | Ameris Bank BankDirect | Strong | Sound | Exceptional | Sound | $3,073Fees | 0.145%Above | 59 | |
46 | NFM, INC. Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Strong | $4,575Fees | 0.415%Above | 177 | |
47 | T2 FINANCIAL LLC Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Strong | $2,652Fees | 0.399%Above | 108 | |
48 | Mortgage Research Center, LLC Independent Mortgage CompanyDirect | Sound | Acceptable | Strong | Strong | $2,570Fees | 0.235%Above | 223 | |
49 | THE LOAN STORE, INC. Independent Mortgage CompanyWholesale | Sound | Acceptable* | Strong | Strong | $2,346Fees | 0.126%Above | 74 | |
50 | DELMAR FINANCIAL COMPANY Independent Mortgage CompanyDirect | Sound | Sound | Strong | Sound | $2,550Fees | 0.361%Above | 50 |
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.