Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Truist BankBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,051Fees | 0.017%Above | 289 | |
2 | DELTA COMMUNITY CREDIT UNIONCredit Union | Exceptional | Exceptional | Strong | Sound | Exceptional | $2,163Fees | 0.446%Below | 205 | |
3 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $724Fees | 0.553%Below | 194 | |
4 | PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,550Fees | 0.097%Below | 119 | |
5 | VICTORY MORTGAGE, L.L.C.Independent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Strong | $766Fees | 0.096%Above | 52 | |
6 | Bank of America, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,413Fees | 0.062%Below | 154 | |
7 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $66Credit | 0.055%Below | 70 | |
8 | Ameris BankBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,151Fees | 0.173%Above | 826 | |
9 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,560Fees | 0.175%Below | 381 | |
10 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,800Fees | 0.328%Above | 367 | |
11 | Wells Fargo Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $1,994Fees | 0.021%Below | 291 | |
12 | First Heritage Mortgage, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,539Fees | 0.420%Above | 175 | |
13 | NBKC BANKBank | Exceptional | Exceptional | Strong | Sound | Sound | $679Fees | 0.228%Below | 53 | |
14 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,820Fees | 0.135%Above | 1,808 | |
15 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,549Fees | 0.251%Above | 1,796 | |
16 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $2,446Fees | 0.144%Above | 329 | |
17 | First Federal BankBank | Strong | Strong | Strong | Sound | Strong | $1,690Fees | 0.085%Above | 126 | |
18 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Strong | Strong | Sound | Strong | $3,910Fees | 0.229%Above | 115 | |
19 | SouthState Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $2,308Fees | 0.219%Above | 71 | |
20 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,807Fees | 0.492%Above | 64 | |
21 | First Horizon BankBank | Strong | Sound | Exceptional | Strong | Strong | $1,766Fees | 0.087%Above | 59 | |
22 | Fifth Third Bank, National AssociationBank | Strong | Strong | Exceptional | Sound | Sound | $91Fees | 0.014%Below | 42 | |
23 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,722Fees | 0.231%Above | 724 | |
24 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,307Fees | 0.346%Above | 437 | |
25 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,644Fees | 0.277%Above | 330 | |
26 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $1,892Fees | 0.041%Above | 284 | |
27 | SWBC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,862Fees | 0.247%Above | 252 | |
28 | Capital City Home Loans, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $1,862Fees | 0.224%Above | 160 | |
29 | ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,777Fees | 0.279%Above | 129 | |
30 | NexBankBank | Strong | Sound | Strong | Strong | Strong | $2,334Fees | 0.241%Above | 128 | |
31 | Heritage Mortgage, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $1,872Fees | 0.114%Below | 112 | |
32 | Synovus BankBank | Strong | Sound | Strong | Strong | Strong | $1,918Fees | 0.038%Below | 82 | |
33 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,227Fees | 0.174%Above | 57 | |
34 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,182Fees | 0.590%Above | 326 | |
35 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $2,586Fees | 0.077%Above | 289 | |
36 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,232Fees | 0.212%Above | 273 | |
37 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,534Fees | 0.339%Above | 172 | |
38 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,356Fees | 0.335%Above | 170 | |
39 | United Community BankBank | Strong | Acceptable | Exceptional | Strong | Strong | $2,080Fees | 0.388%Above | 146 | |
40 | Flagstar Bank, N.A.Bank | Strong | Acceptable | Exceptional | Strong | Strong | $2,679Fees | 0.237%Above | 145 | |
41 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,565Fees | 0.401%Above | 130 | |
42 | Regions BankBank | Strong | Acceptable | Exceptional | Strong | Strong | $1,883Fees | 0.259%Above | 123 | |
43 | Renasant BankBank | Strong | Acceptable | Exceptional | Strong | Strong | $3,521Fees | 0.100%Above | 110 | |
44 | STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,954Fees | 0.297%Above | 101 | |
45 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,358Fees | 0.219%Above | 101 | |
46 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,343Fees | 0.333%Above | 94 | |
47 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,494Fees | 0.529%Above | 88 | |
48 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,904Fees | 0.541%Above | 76 | |
49 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,288Fees | 0.305%Above | 73 | |
50 | Alcova Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,029Fees | 0.237%Above | 46 |
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.