Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | DELTA COMMUNITY CREDIT UNIONCredit Union | Exceptional | Exceptional | Sound | Exceptional | $2,163Fees | 0.446%Below | 205 | |
2 | TRAILBLAZER MORTGAGE L.L.C.Independent Mortgage Company | Exceptional | Exceptional | Strong | Strong | $2,376Fees | 0.397%Below | 72 | |
3 | VICTORY MORTGAGE, L.L.C.Independent Mortgage Company | Exceptional | Exceptional | Strong | Strong | $766Fees | 0.096%Above | 52 | |
4 | Truist BankBank | Exceptional | Strong | Strong | Exceptional | $1,051Fees | 0.017%Above | 289 | |
5 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Sound | Strong | $724Fees | 0.553%Below | 194 | |
6 | First Federal BankBank | Exceptional | Exceptional | Sound | Strong | $1,690Fees | 0.085%Above | 126 | |
7 | PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company | Exceptional | Exceptional | Sound | Strong | $1,550Fees | 0.097%Below | 119 | |
8 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $2,820Fees | 0.135%Above | 1,808 | |
9 | Ameris BankBank | Strong | Sound | Exceptional | Exceptional | $3,151Fees | 0.173%Above | 826 | |
10 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $2,800Fees | 0.328%Above | 367 | |
11 | Bank of America, National AssociationBank | Strong | Strong | Strong | Strong | $1,413Fees | 0.062%Below | 154 | |
12 | Heritage Mortgage, LLCIndependent Mortgage Company | Strong | Strong | Strong | Strong | $1,872Fees | 0.114%Below | 112 | |
13 | U.S. Bank National AssociationBank | Strong | Strong | Strong | Strong | $66Credit | 0.055%Below | 70 | |
14 | NBKC BANKBank | Strong | Exceptional | Sound | Sound | $679Fees | 0.228%Below | 53 | |
15 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | $2,560Fees | 0.175%Below | 381 | |
16 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Sound | Strong | Exceptional | $3,644Fees | 0.277%Above | 330 | |
17 | Wells Fargo Bank, National AssociationBank | Strong | Strong | Sound | Strong | $1,994Fees | 0.021%Below | 291 | |
18 | First Heritage Mortgage, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | $2,539Fees | 0.420%Above | 175 | |
19 | Fifth Third Bank, National AssociationBank | Strong | Strong | Strong | Sound | $91Fees | 0.014%Below | 42 | |
20 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $4,549Fees | 0.251%Above | 1,796 | |
21 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $2,722Fees | 0.231%Above | 724 | |
22 | BANKSOUTH MORTGAGE COMPANY, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,775Fees | 0.350%Above | 474 | |
23 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,307Fees | 0.346%Above | 437 | |
24 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Strong | $2,446Fees | 0.144%Above | 329 | |
25 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Strong | $2,586Fees | 0.077%Above | 289 | |
26 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $1,892Fees | 0.041%Above | 284 | |
27 | SWBC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $1,862Fees | 0.247%Above | 252 | |
28 | Capital City Home Loans, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $1,862Fees | 0.224%Above | 160 | |
29 | MORTGAGE ASSURANCE, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | $2,923Fees | 0.015%Above | 156 | |
30 | NexBankBank | Strong | Sound | Strong | Strong | $2,334Fees | 0.241%Above | 128 | |
31 | Regions BankBank | Strong | Sound | Strong | Strong | $1,883Fees | 0.259%Above | 123 | |
32 | Synovus BankBank | Strong | Sound | Strong | Strong | $1,918Fees | 0.038%Below | 82 | |
33 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | $1,609Fees | 0.700%Above | 73 | |
34 | SouthState Bank, National AssociationBank | Strong | Sound | Strong | Strong | $2,308Fees | 0.219%Above | 71 | |
35 | First Horizon BankBank | Strong | Sound | Strong | Strong | $1,766Fees | 0.087%Above | 59 | |
36 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Sound | $2,227Fees | 0.174%Above | 57 | |
37 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,565Fees | 0.401%Above | 130 | |
38 | ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,777Fees | 0.279%Above | 129 | |
39 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Sound | Strong | $3,910Fees | 0.229%Above | 115 | |
40 | DIRECT LENDERS, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $3,306Fees | 0.118%Above | 112 | |
41 | Renasant BankBank | Strong | Acceptable | Exceptional | Strong | $3,521Fees | 0.100%Above | 110 | |
42 | Associated Credit UnionCredit Union | Strong | Sound | Sound | Strong | $4,585Fees | 1.340%Below | 102 | |
43 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $4,358Fees | 0.219%Above | 101 | |
44 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,904Fees | 0.541%Above | 76 | |
45 | Magnolia Bank, IncorporatedBank | Strong | Acceptable | Exceptional | Strong | $3,598Fees | 0.287%Above | 73 | |
46 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $4,182Fees | 0.590%Above | 326 | |
47 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,232Fees | 0.212%Above | 273 | |
48 | ZILLOW HOME LOANS, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,946Fees | 0.250%Above | 217 | |
49 | CANOPY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $4,728Fees | 0.415%Above | 211 | |
50 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,895Fees | 0.125%Below | 193 |
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
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.