Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Citibank, National Association BankDirect | Strong | Exceptional | Sound | Strong | $435Fees | 0.344%Below | 172 | |
2 | NAVY FEDERAL CREDIT UNION Credit UnionDirect | Strong | Exceptional | Sound | Strong | $784Fees | 0.467%Below | 113 | |
3 | Morgan Stanley Private Bank, National Association BankDirect | Strong | Exceptional | Strong | Strong | $265Fees | 0.548%Below | 50 | |
4 | Bank-Fund Staff Federal Credit Union Credit UnionDirect | Strong | Exceptional | Sound | Exceptional | $1,176Credit | 0.114%Below | 129 | |
5 | Bank of America, National Association BankDirect | Strong | Strong | Strong | Strong | $1,701Fees | 0.289%Below | 98 | |
6 | FIRST SAVINGS MORTGAGE CORPORATION Independent Mortgage CompanyDirect | Strong | Acceptable | Strong | Exceptional | $2,339Fees | 0.242%Above | 424 | |
7 | Truist Bank BankDirect | Strong | Strong | Strong | Strong | $259Credit | 0.107%Below | 110 | |
8 | Manufacturers and Traders Trust Company BankDirect | Strong | Strong | Strong | Strong | $77Fees | 0.128%Below | 91 | |
9 | JPMorgan Chase Bank, National Association BankDirect & Wholesale | Strong | Sound* | Strong | Exceptional | $1,924Fees | 0.044%Above | 334 | |
10 | ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Acceptable* | Exceptional | Exceptional | $3,920Fees | 0.172%Above | 288 | |
11 | UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale | Strong | Sound* | Exceptional | Strong | $3,391Fees | 0.085%Above | 134 | |
12 | First Heritage Mortgage, LLC Independent Mortgage CompanyDirect | Strong | Sound | Exceptional | Strong | $2,956Fees | 0.034%Above | 58 | |
13 | United Bank BankDirect | Strong | Sound | Strong | Strong | $1,763Fees | 0.026%Above | 83 | |
14 | U.S. Bank National Association BankDirect | Strong | Strong | Strong | Sound | $920Credit | 0.060%Below | 33 | |
15 | FIRST HOME MORTGAGE CORPORATION Independent Mortgage CompanyDirect | Strong | Mediocre | Exceptional | Exceptional | $4,059Fees | 0.268%Above | 322 | |
16 | Atlantic Coast Mortgage, LLC Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Strong | $2,186Fees | 0.124%Above | 121 | |
17 | INTERCOASTAL MORTGAGE, LLC Independent Mortgage CompanyDirect | Strong | Sound | Exceptional | Strong | $2,613Fees | 0.121%Above | 68 | |
18 | Prosperity Home Mortgage, LLC Independent Mortgage CompanyDirect | Strong | Acceptable | Strong | Exceptional | $2,927Fees | 0.152%Above | 211 | |
19 | Vellum Mortgage, Inc. Independent Mortgage CompanyDirect | Strong | Sound | Strong | Strong | $2,536Fees | 0.102%Above | 103 | |
20 | PNC Bank, National Association BankDirect | Strong | Strong | Strong | Strong | $677Fees | 0.038%Below | 64 | |
21 | Wells Fargo Bank, National Association BankDirect | Strong | Strong | Sound | Strong | $1,723Fees | 0.136%Below | 106 | |
22 | Capital Bank, National Association BankDirect | Strong | Sound | Sound | Strong | $3,089Fees | 0.440%Above | 95 | |
23 | Citizens Bank, National Association BankDirect | Strong | Strong | Strong | Strong | $1,447Fees | 0.094%Below | 47 | |
24 | United Nations Federal Credit Union Credit UnionDirect | Strong | Strong | Sound | Strong | $605Fees | 0.475%Below | 40 | |
25 | First National Bank of Pennsylvania BankDirect | Strong | Sound | Strong | Sound | $1,264Fees | 0.004%Above | 40 | |
26 | GUARANTEED RATE, INC. Independent Mortgage CompanyDirect | Strong | Sound | Strong | Strong | $1,584Fees | 0.019%Below | 144 | |
27 | MOVEMENT MORTGAGE, LLC Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Strong | $2,369Fees | 0.054%Above | 115 | |
28 | Sandy Spring Bank BankDirect | Strong | Sound | Strong | Strong | $2,105Fees | 0.062%Above | 53 | |
29 | CREDIT UNION MORTGAGE ASSOCIATION, INC. Independent Mortgage CompanyDirect | Strong | Exceptional | Acceptable | Sound | $2,010Fees | 0.475%Below | 31 | |
30 | LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Sound* | Strong | Sound | $2,810Fees | 0.098%Below | 44 | |
31 | STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED Credit UnionDirect | Strong | Strong | Sound | Sound | $1,521Fees | 0.731%Below | 22 | |
32 | PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Sound* | Strong | Strong | $2,681Fees | 0.007%Above | 51 | |
33 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect | Sound | Acceptable | Exceptional | Strong | $2,199Fees | 0.185%Above | 82 | |
34 | LOANSTEADY LLC Independent Mortgage CompanyDirect | Sound | Sound | Strong | Strong | $416Fees | 0.115%Below | 44 | |
35 | Ameris Bank BankDirect | Sound | Sound | Exceptional | Sound | $2,749Fees | 0.069%Above | 26 | |
36 | Towne Bank BankDirect | Sound | Acceptable | Exceptional | Sound | $3,314Fees | 0.155%Above | 33 | |
37 | FREEDOM MORTGAGE CORPORATION Independent Mortgage CompanyDirect & Wholesale | Sound | Sound* | Strong | Sound | $1,424Fees | 0.321%Above | 28 | |
38 | BAY EQUITY LLC Independent Mortgage CompanyDirect | Sound | Sound | Strong | Strong | $1,906Fees | 0.124%Above | 63 | |
39 | EMBRACE HOME LOANS, INC. Independent Mortgage CompanyDirect | Sound | Acceptable | Strong | Strong | $2,703Fees | 0.321%Above | 63 | |
40 | NFM, INC. Independent Mortgage CompanyDirect | Sound | Acceptable | Exceptional | Strong | $3,649Fees | 0.397%Above | 53 | |
41 | CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect | Sound | Acceptable | Strong | Strong | $2,356Fees | 0.276%Above | 122 | |
42 | Fulton Bank, National Association BankDirect | Sound | Sound | Strong | Strong | $1,386Fees | 0.262%Above | 53 | |
43 | MUTUAL OF OMAHA MORTGAGE, INC. Independent Mortgage CompanyDirect | Sound | Sound | Sound | Sound | $1,066Fees | 0.006%Above | 33 | |
44 | CMG MORTGAGE, INC. Independent Mortgage CompanyDirect | Sound | Acceptable | Exceptional | Sound | $2,224Fees | 0.162%Above | 32 | |
45 | NEWREZ LLC Independent Mortgage CompanyDirect & Wholesale | Sound | Acceptable* | Sound | Strong | $2,277Fees | 0.378%Above | 113 | |
46 | TD Bank, National Association BankDirect | Sound | Sound | Sound | Strong | $23Credit | 0.105%Above | 44 | |
47 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. Independent Mortgage CompanyDirect | Sound | Acceptable | Exceptional | Sound | $1,563Fees | 0.187%Above | 25 | |
48 | LOWER, LLC Independent Mortgage CompanyDirect & Wholesale | Sound | Acceptable* | Strong | Strong | $2,007Fees | 0.147%Above | 48 | |
49 | HOMESPIRE MORTGAGE CORPORATION Independent Mortgage CompanyDirect | Sound | Acceptable | Exceptional | Sound | $3,161Fees | 0.201%Above | 25 | |
50 | Mortgage Research Center, LLC Independent Mortgage CompanyDirect | Sound | Acceptable | Strong | Sound | $2,262Fees | 0.135%Above | 35 |
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.