Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATEDCredit Union | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $1,306Fees | 0.294%Below | 609 | |
2 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Exceptional | $679Fees | 0.463%Below | 1,512 | |
3 | Bank of America, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,920Fees | 0.162%Below | 643 | |
4 | Wells Fargo Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,957Fees | 0.014%Below | 531 | |
5 | Citibank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $747Fees | 0.227%Below | 224 | |
6 | U.S. Bank National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $464Fees | 0.017%Above | 220 | |
7 | Truist BankBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $428Credit | 0.061%Below | 1,241 | |
8 | Manufacturers and Traders Trust CompanyBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $592Fees | 0.040%Above | 748 | |
9 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,330Fees | 0.075%Above | 602 | |
10 | WesBanco Bank, Inc.Bank | Exceptional | Strong | Exceptional | Strong | Strong | $1,896Fees | 0.225%Above | 205 | |
11 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,188Fees | 0.266%Above | 5,530 | |
12 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,096Fees | 0.073%Above | 3,660 | |
13 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,650Fees | 0.067%Above | 1,197 | |
14 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,733Fees | 0.303%Above | 1,128 | |
15 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,620Fees | 0.274%Above | 864 | |
16 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,596Fees | 0.080%Below | 736 | |
17 | First National Bank of PennsylvaniaBank | Strong | Sound | Exceptional | Strong | Strong | $1,479Fees | 0.026%Above | 552 | |
18 | Fulton Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $2,595Fees | 0.247%Above | 361 | |
19 | PNC Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $114Fees | 0.027%Above | 333 | |
20 | TD Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $1,017Credit | 0.194%Above | 175 | |
21 | Towne BankBank | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,908Fees | 0.134%Above | 1,434 | |
22 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,645Fees | 0.264%Above | 1,264 | |
23 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $3,341Fees | 0.156%Above | 652 | |
24 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $2,342Fees | 0.268%Above | 424 | |
25 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,181Fees | 0.350%Above | 976 | |
26 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,594Fees | 0.365%Above | 965 | |
27 | First Heritage Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $2,819Fees | 0.091%Above | 891 | |
28 | EMBRACE HOME LOANS, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $3,148Fees | 0.310%Above | 806 | |
29 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,364Fees | 0.289%Above | 590 | |
30 | Shore United Bank, N.A.Bank | Strong | Acceptable | Strong | Strong | Exceptional | $2,788Fees | 0.196%Above | 520 | |
31 | United BankBank | Strong | Acceptable | Strong | Strong | Exceptional | $2,055Fees | 0.012%Below | 498 | |
32 | DAS Acquisition Company, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $3,203Fees | 0.123%Above | 451 | |
33 | NFM, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,127Fees | 0.416%Above | 1,890 | |
34 | MERIDIAN BANKBank | Strong | Sound | Sound | Acceptable | Exceptional | $2,171Fees | 0.196%Above | 938 | |
35 | NEWREZ LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $2,652Fees | 0.330%Above | 855 | |
36 | BAY CAPITAL MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | — | Strong | Exceptional | $3,793Fees | 0.182%Above | 660 | |
37 | Sandy Spring BankBank | Strong | Acceptable | Strong | Sound | Exceptional | $1,800Fees | 0.179%Above | 543 | |
38 | FIRST SAVINGS MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $2,699Fees | 0.199%Above | 478 | |
39 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $2,093Fees | 0.032%Above | 617 | |
40 | CHURCHILL MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $3,898Fees | 0.470%Above | 253 | |
41 | INTERCOASTAL MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $2,587Fees | 0.103%Above | 190 | |
42 | FIRST HOME MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Strong | Sound | Exceptional | $4,674Fees | 0.360%Above | 3,477 | |
43 | PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company | Sound | Mediocre | Strong | Sound | Exceptional | $4,649Fees | 0.418%Above | 1,253 | |
44 | OCMBC, INC.Independent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $3,957Fees | 1.062%Above | 254 |
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.