Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $3,096Fees | 0.073%Above | 3,660 | |
2 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Exceptional | $679Fees | 0.463%Below | 1,512 | |
3 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,645Fees | 0.264%Above | 1,264 | |
4 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,639Fees | 0.171%Above | 1,175 | |
5 | Ameris BankBank | Exceptional | Strong | Exceptional | Exceptional | Strong | $3,265Fees | 0.217%Above | 486 | |
6 | Towne BankBank | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,908Fees | 0.134%Above | 1,434 | |
7 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Exceptional | $2,650Fees | 0.067%Above | 1,197 | |
8 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,733Fees | 0.303%Above | 1,128 | |
9 | First Heritage Mortgage, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,819Fees | 0.091%Above | 891 | |
10 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,596Fees | 0.080%Below | 736 | |
11 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,330Fees | 0.075%Above | 602 | |
12 | Sandy Spring BankBank | Exceptional | Strong | Strong | Strong | Exceptional | $1,800Fees | 0.179%Above | 543 | |
13 | United BankBank | Exceptional | Strong | Strong | Strong | Exceptional | $2,055Fees | 0.012%Below | 498 | |
14 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,342Fees | 0.268%Above | 424 | |
15 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $464Fees | 0.017%Above | 220 | |
16 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,850Fees | 0.671%Above | 190 | |
17 | Truist BankBank | Exceptional | Strong | Strong | Sound | Exceptional | $428Credit | 0.061%Below | 1,241 | |
18 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,620Fees | 0.274%Above | 864 | |
19 | Manufacturers and Traders Trust CompanyBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $592Fees | 0.040%Above | 748 | |
20 | First National Bank of PennsylvaniaBank | Exceptional | Strong | Strong | Strong | Strong | $1,479Fees | 0.026%Above | 552 | |
21 | Shore United Bank, N.A.Bank | Exceptional | Sound | Strong | Exceptional | Exceptional | $2,788Fees | 0.196%Above | 520 | |
22 | HOMESPIRE MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Sound | Strong | Exceptional | Exceptional | $4,703Fees | 0.573%Above | 503 | |
23 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,164Fees | 0.225%Above | 428 | |
24 | SWBC MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,351Fees | 0.397%Above | 328 | |
25 | USAA Federal Savings BankBank | Exceptional | Strong | Exceptional | Sound | Strong | $1,982Fees | 0.185%Below | 212 | |
26 | PENTAGON FEDERAL CREDIT UNIONCredit Union | Exceptional | Strong | Exceptional | Sound | Strong | $2,884Fees | 0.205%Below | 168 | |
27 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,585Fees | 0.384%Above | 167 | |
28 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,188Fees | 0.266%Above | 5,530 | |
29 | FIRST HOME MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,674Fees | 0.360%Above | 3,477 | |
30 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,127Fees | 0.416%Above | 1,890 | |
31 | MERIDIAN BANKBank | Strong | Sound | Strong | Strong | Exceptional | $2,171Fees | 0.196%Above | 938 | |
32 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,652Fees | 0.330%Above | 855 | |
33 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,341Fees | 0.156%Above | 652 | |
34 | Vellum Mortgage, Inc.Independent Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $3,250Fees | 0.234%Above | 469 | |
35 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,802Fees | 0.116%Above | 279 | |
36 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,829Fees | 0.549%Above | 235 | |
37 | Plains Commerce BankBank | Strong | Sound | Exceptional | Strong | Strong | $3,768Fees | 0.233%Above | 230 | |
38 | INTERCOASTAL MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | Strong | $2,587Fees | 0.103%Above | 190 | |
39 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,209Fees | 0.214%Above | 185 | |
40 | SUN WEST MORTGAGE COMPANY, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $4,293Fees | 0.172%Above | 157 | |
41 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $3,468Fees | 0.185%Above | 155 | |
42 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,181Fees | 0.350%Above | 976 | |
43 | BAY CAPITAL MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | Exceptional | $3,793Fees | 0.182%Above | 660 | |
44 | Atlantic Coast Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,036Fees | 0.137%Above | 488 | |
45 | FIRST SAVINGS MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | Exceptional | $2,699Fees | 0.199%Above | 478 | |
46 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $5,318Fees | 0.543%Above | 387 | |
47 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,921Fees | 0.447%Above | 198 | |
48 | ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,951Fees | 0.434%Above | 190 | |
49 | Alcova Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,758Fees | 0.582%Above | 182 | |
50 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,543Fees | 0.303%Above | 170 |
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.