Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Sound | Exceptional | $679Fees | 0.463%Below | 1,512 | |
2 | ABERDEEN PROVING GROUND FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Strong | Strong | $976Fees | 0.243%Below | 218 | |
3 | Truist BankBank | Exceptional | Strong | Strong | Exceptional | $428Credit | 0.061%Below | 1,241 | |
4 | Manufacturers and Traders Trust CompanyBank | Exceptional | Strong | Strong | Exceptional | $592Fees | 0.040%Above | 748 | |
5 | PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company | Exceptional | Exceptional | Sound | Strong | $1,057Fees | 0.121%Below | 344 | |
6 | Citibank, National AssociationBank | Exceptional | Exceptional | Sound | Strong | $747Fees | 0.227%Below | 224 | |
7 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $3,096Fees | 0.073%Above | 3,660 | |
8 | MERIDIAN BANKBank | Strong | Sound | Exceptional | Exceptional | $2,171Fees | 0.196%Above | 938 | |
9 | First Heritage Mortgage, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $2,819Fees | 0.091%Above | 891 | |
10 | Bank of America, National AssociationBank | Strong | Strong | Strong | Strong | $1,920Fees | 0.162%Below | 643 | |
11 | STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATEDCredit Union | Strong | Strong | Sound | Exceptional | $1,306Fees | 0.294%Below | 609 | |
12 | PNC Bank, National AssociationBank | Strong | Strong | Strong | Strong | $114Fees | 0.027%Above | 333 | |
13 | U.S. Bank National AssociationBank | Strong | Strong | Strong | Strong | $464Fees | 0.017%Above | 220 | |
14 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Exceptional | $2,650Fees | 0.067%Above | 1,197 | |
15 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | $2,639Fees | 0.171%Above | 1,175 | |
16 | Sandy Spring BankBank | Strong | Sound | Strong | Exceptional | $1,800Fees | 0.179%Above | 543 | |
17 | Wells Fargo Bank, National AssociationBank | Strong | Strong | Sound | Strong | $1,957Fees | 0.014%Below | 531 | |
18 | United BankBank | Strong | Sound | Strong | Exceptional | $2,055Fees | 0.012%Below | 498 | |
19 | Ameris BankBank | Strong | Sound | Exceptional | Strong | $3,265Fees | 0.217%Above | 486 | |
20 | Vellum Mortgage, Inc.Independent Mortgage Company | Strong | Sound | Strong | Exceptional | $3,250Fees | 0.234%Above | 469 | |
21 | INTERCOASTAL MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | $2,587Fees | 0.103%Above | 190 | |
22 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | $1,585Fees | 0.384%Above | 167 | |
23 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $4,188Fees | 0.266%Above | 5,530 | |
24 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $4,127Fees | 0.416%Above | 1,890 | |
25 | Towne BankBank | Strong | Acceptable | Exceptional | Exceptional | $2,908Fees | 0.134%Above | 1,434 | |
26 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $2,733Fees | 0.303%Above | 1,128 | |
27 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $1,596Fees | 0.080%Below | 736 | |
28 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $3,341Fees | 0.156%Above | 652 | |
29 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $2,093Fees | 0.032%Above | 617 | |
30 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | $2,330Fees | 0.075%Above | 602 | |
31 | First National Bank of PennsylvaniaBank | Strong | Sound | Strong | Strong | $1,479Fees | 0.026%Above | 552 | |
32 | HOMESPIRE MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $4,703Fees | 0.573%Above | 503 | |
33 | Fulton Bank, National AssociationBank | Strong | Sound | Strong | Strong | $2,595Fees | 0.247%Above | 361 | |
34 | WesBanco Bank, Inc.Bank | Strong | Sound | Strong | Strong | $1,896Fees | 0.225%Above | 205 | |
35 | EQUITY RESOURCES, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | $2,634Fees | 0.165%Above | 158 | |
36 | MILLENNIUM FINANCIAL GROUP, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | $2,511Fees | 0.289%Above | 149 | |
37 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $2,645Fees | 0.264%Above | 1,264 | |
38 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,181Fees | 0.350%Above | 976 | |
39 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,620Fees | 0.274%Above | 864 | |
40 | EMBRACE HOME LOANS, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $3,148Fees | 0.310%Above | 806 | |
41 | BAY CAPITAL MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $3,793Fees | 0.182%Above | 660 | |
42 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,364Fees | 0.289%Above | 590 | |
43 | Shore United Bank, N.A.Bank | Strong | Acceptable | Strong | Exceptional | $2,788Fees | 0.196%Above | 520 | |
44 | Atlantic Coast Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,036Fees | 0.137%Above | 488 | |
45 | FIRST SAVINGS MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $2,699Fees | 0.199%Above | 478 | |
46 | DAS Acquisition Company, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,203Fees | 0.123%Above | 451 | |
47 | FIDELITY DIRECT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $3,874Fees | 0.491%Above | 439 | |
48 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,164Fees | 0.225%Above | 428 | |
49 | SWBC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,351Fees | 0.397%Above | 328 | |
50 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,808Fees | 0.575%Above | 300 |
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.