Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | First Heritage Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,819Fees | 0.091%Above | 891 | |
2 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,645Fees | 0.264%Above | 1,264 | |
3 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,639Fees | 0.171%Above | 1,175 | |
4 | Manufacturers and Traders Trust CompanyBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $592Fees | 0.040%Above | 748 | |
5 | First National Bank of PennsylvaniaBank | Exceptional | Exceptional | Strong | Strong | Strong | $1,479Fees | 0.026%Above | 552 | |
6 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,096Fees | 0.073%Above | 3,660 | |
7 | Towne BankBank | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,908Fees | 0.134%Above | 1,434 | |
8 | Sandy Spring BankBank | Exceptional | Strong | Strong | Strong | Exceptional | $1,800Fees | 0.179%Above | 543 | |
9 | United BankBank | Exceptional | Strong | Strong | Strong | Exceptional | $2,055Fees | 0.012%Below | 498 | |
10 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,585Fees | 0.384%Above | 167 | |
11 | Truist BankBank | Exceptional | Strong | Strong | Sound | Exceptional | $428Credit | 0.061%Below | 1,241 | |
12 | MERIDIAN BANKBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,171Fees | 0.196%Above | 938 | |
13 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $1,596Fees | 0.080%Below | 736 | |
14 | STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATEDCredit Union | Exceptional | Strong | Strong | Sound | Exceptional | $1,306Fees | 0.294%Below | 609 | |
15 | SWBC MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,351Fees | 0.397%Above | 328 | |
16 | WesBanco Bank, Inc.Bank | Exceptional | Strong | Strong | Strong | Strong | $1,896Fees | 0.225%Above | 205 | |
17 | INTERCOASTAL MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Strong | Strong | Strong | $2,587Fees | 0.103%Above | 190 | |
18 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,188Fees | 0.266%Above | 5,530 | |
19 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,127Fees | 0.416%Above | 1,890 | |
20 | BAY CAPITAL MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $3,793Fees | 0.182%Above | 660 | |
21 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,341Fees | 0.156%Above | 652 | |
22 | Shore United Bank, N.A.Bank | Strong | Sound | Strong | Strong | Exceptional | $2,788Fees | 0.196%Above | 520 | |
23 | Ameris BankBank | Strong | Sound | Exceptional | Strong | Strong | $3,265Fees | 0.217%Above | 486 | |
24 | Fulton Bank, National AssociationBank | Strong | Strong | Strong | Sound | Strong | $2,595Fees | 0.247%Above | 361 | |
25 | PNC Bank, National AssociationBank | Strong | Strong | Strong | Sound | Strong | $114Fees | 0.027%Above | 333 | |
26 | Plains Commerce BankBank | Strong | Sound | Exceptional | Strong | Strong | $3,768Fees | 0.233%Above | 230 | |
27 | Capital Bank, National AssociationBank | Strong | Strong | Strong | Sound | Strong | $1,764Fees | 0.230%Above | 199 | |
28 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,546Fees | 0.295%Above | 198 | |
29 | EMM LOANS LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,665Fees | 0.393%Above | 188 | |
30 | PENTAGON FEDERAL CREDIT UNIONCredit Union | Strong | Strong | Strong | Sound | Strong | $2,884Fees | 0.205%Below | 168 | |
31 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $3,468Fees | 0.185%Above | 155 | |
32 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Sound | Exceptional | $2,650Fees | 0.067%Above | 1,197 | |
33 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,733Fees | 0.303%Above | 1,128 | |
34 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,181Fees | 0.350%Above | 976 | |
35 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $2,652Fees | 0.330%Above | 855 | |
36 | EMBRACE HOME LOANS, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,148Fees | 0.310%Above | 806 | |
37 | HOMESPIRE MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,703Fees | 0.573%Above | 503 | |
38 | Atlantic Coast Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,036Fees | 0.137%Above | 488 | |
39 | Vellum Mortgage, Inc.Independent Mortgage Company | Strong | Acceptable | Strong | Exceptional | Exceptional | $3,250Fees | 0.234%Above | 469 | |
40 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,164Fees | 0.225%Above | 428 | |
41 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,808Fees | 0.575%Above | 300 | |
42 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,921Fees | 0.447%Above | 198 | |
43 | ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,951Fees | 0.434%Above | 190 | |
44 | Alcova Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,758Fees | 0.582%Above | 182 | |
45 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,543Fees | 0.303%Above | 170 | |
46 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,620Fees | 0.274%Above | 864 | |
47 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,093Fees | 0.032%Above | 617 | |
48 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,330Fees | 0.075%Above | 602 | |
49 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,364Fees | 0.289%Above | 590 | |
50 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,649Fees | 0.342%Above | 558 |
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.