Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Wells Fargo Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,994Fees | 0.021%Below | 291 | |
2 | DELTA COMMUNITY CREDIT UNIONCredit Union | Exceptional | Exceptional | Strong | Strong | Exceptional | $2,163Fees | 0.446%Below | 205 | |
3 | Bank of America, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,413Fees | 0.062%Below | 154 | |
4 | U.S. Bank National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $66Credit | 0.055%Below | 70 | |
5 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $3,644Fees | 0.277%Above | 330 | |
6 | Truist BankBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,051Fees | 0.017%Above | 289 | |
7 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $724Fees | 0.553%Below | 194 | |
8 | Synovus BankBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,918Fees | 0.038%Below | 82 | |
9 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,820Fees | 0.135%Above | 1,808 | |
10 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,549Fees | 0.251%Above | 1,796 | |
11 | Associated Credit UnionCredit Union | Exceptional | Strong | Strong | Strong | Strong | $4,585Fees | 1.340%Below | 102 | |
12 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $2,446Fees | 0.144%Above | 329 | |
13 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,892Fees | 0.041%Above | 284 | |
14 | Regions BankBank | Strong | Sound | Exceptional | Strong | Strong | $1,883Fees | 0.259%Above | 123 | |
15 | Ameris BankBank | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,151Fees | 0.173%Above | 826 | |
16 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Strong | Sound | Strong | Sound | Exceptional | $2,800Fees | 0.328%Above | 367 | |
17 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,182Fees | 0.590%Above | 326 | |
18 | Capital City Home Loans, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $1,862Fees | 0.224%Above | 160 | |
19 | SouthState Bank, National AssociationBank | Strong | Acceptable | Exceptional | Strong | Strong | $2,308Fees | 0.219%Above | 71 | |
20 | First Horizon BankBank | Strong | Acceptable | Exceptional | Strong | Strong | $1,766Fees | 0.087%Above | 59 |
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.