Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Exceptional | $679Fees | 0.463%Below | 1,512 | |
2 | Truist BankBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $428Credit | 0.061%Below | 1,241 | |
3 | PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,057Fees | 0.121%Below | 344 | |
4 | Citibank, National AssociationBank | Exceptional | Exceptional | Exceptional | Sound | Strong | $747Fees | 0.227%Below | 224 | |
5 | First Heritage Mortgage, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,819Fees | 0.091%Above | 891 | |
6 | Bank of America, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,920Fees | 0.162%Below | 643 | |
7 | STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATEDCredit Union | Exceptional | Strong | Strong | Strong | Exceptional | $1,306Fees | 0.294%Below | 609 | |
8 | First National Bank of PennsylvaniaBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,479Fees | 0.026%Above | 552 | |
9 | PNC Bank, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $114Fees | 0.027%Above | 333 | |
10 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $464Fees | 0.017%Above | 220 | |
11 | ABERDEEN PROVING GROUND FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Sound | Strong | Strong | $976Fees | 0.243%Below | 218 | |
12 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,650Fees | 0.067%Above | 1,197 | |
13 | Manufacturers and Traders Trust CompanyBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $592Fees | 0.040%Above | 748 | |
14 | Wells Fargo Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $1,957Fees | 0.014%Below | 531 | |
15 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,188Fees | 0.266%Above | 5,530 | |
16 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,096Fees | 0.073%Above | 3,660 | |
17 | MERIDIAN BANKBank | Strong | Sound | Strong | Strong | Exceptional | $2,171Fees | 0.196%Above | 938 | |
18 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,341Fees | 0.156%Above | 652 | |
19 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,093Fees | 0.032%Above | 617 | |
20 | United BankBank | Strong | Sound | Strong | Strong | Exceptional | $2,055Fees | 0.012%Below | 498 | |
21 | Atlantic Coast Mortgage, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,036Fees | 0.137%Above | 488 | |
22 | Ameris BankBank | Strong | Sound | Exceptional | Strong | Strong | $3,265Fees | 0.217%Above | 486 | |
23 | Vellum Mortgage, Inc.Independent Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $3,250Fees | 0.234%Above | 469 | |
24 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Strong | Strong | Sound | Strong | $1,802Fees | 0.116%Above | 279 | |
25 | WesBanco Bank, Inc.Bank | Strong | Sound | Exceptional | Strong | Strong | $1,896Fees | 0.225%Above | 205 | |
26 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,209Fees | 0.214%Above | 185 | |
27 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,585Fees | 0.384%Above | 167 | |
28 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,645Fees | 0.264%Above | 1,264 | |
29 | PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,649Fees | 0.418%Above | 1,253 | |
30 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Sound | Exceptional | $2,639Fees | 0.171%Above | 1,175 | |
31 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,733Fees | 0.303%Above | 1,128 | |
32 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $1,596Fees | 0.080%Below | 736 | |
33 | Sandy Spring BankBank | Strong | Sound | Strong | Sound | Exceptional | $1,800Fees | 0.179%Above | 543 | |
34 | ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,951Fees | 0.434%Above | 190 | |
35 | INTERCOASTAL MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $2,587Fees | 0.103%Above | 190 | |
36 | Alcova Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,758Fees | 0.582%Above | 182 | |
37 | EQUITY RESOURCES, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $2,634Fees | 0.165%Above | 158 | |
38 | Towne BankBank | Strong | Acceptable | Strong | Strong | Exceptional | $2,908Fees | 0.134%Above | 1,434 | |
39 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,181Fees | 0.350%Above | 976 | |
40 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,594Fees | 0.365%Above | 965 | |
41 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,620Fees | 0.274%Above | 864 | |
42 | BAY CAPITAL MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $3,793Fees | 0.182%Above | 660 | |
43 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,330Fees | 0.075%Above | 602 | |
44 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,364Fees | 0.289%Above | 590 | |
45 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,649Fees | 0.342%Above | 558 | |
46 | HOMESPIRE MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $4,703Fees | 0.573%Above | 503 | |
47 | FIRST SAVINGS MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $2,699Fees | 0.199%Above | 478 | |
48 | DAS Acquisition Company, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,203Fees | 0.123%Above | 451 | |
49 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,164Fees | 0.225%Above | 428 | |
50 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,812Fees | 0.466%Above | 421 |
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.