Safe Rate Rankings

Best All Lender Mortgage Lenders in Non

Updated May 21, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders1513

Total Loans403,871

Median Rate Spread0.30%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	IOWA BANKERS MORTGAGE CORPORATIONIndependent Mortgage Company	Exceptional	Exceptional	Exceptional	Strong	$1,274Fees	0.037%Above	1,059
2	GREENSTATE Credit UnionCredit Union	Exceptional	Exceptional	Exceptional	Strong	$641Fees	0.135%Below	836
3	WEST GATE BANKBank	Exceptional	Exceptional	Exceptional	Strong	$1,217Fees	0.047%Above	830
4	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Sound	Exceptional	$845Fees	0.450%Below	3,938
5	U.S. Bank National AssociationBank	Exceptional	Strong	Strong	Exceptional	$1,019Fees	0.258%Above	4,263
6	STATE EMPLOYEES'Credit Union	Exceptional	Strong	Strong	Exceptional	$2,051Fees	0.681%Below	2,531
7	The Huntington National BankBank	Exceptional	Strong	Strong	Exceptional	$645Fees	0.534%Above	2,367
8	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$2,894Fees	0.225%Above	20,699
9	FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$1,443Fees	0.486%Above	3,219
10	Wells Fargo Bank, National AssociationBank	Strong	Strong	Sound	Exceptional	$2,203Fees	0.223%Above	3,042
11	Truist BankBank	Strong	Strong	Strong	Strong	$1,471Fees	0.208%Above	1,427
12	Fifth Third Bank, National AssociationBank	Strong	Strong	Strong	Strong	$992Fees	0.431%Above	1,233
13	PNC Bank, National AssociationBank	Strong	Strong	Strong	Strong	$1,050Fees	0.282%Above	1,048
14	Bank of America, National AssociationBank	Strong	Strong	Strong	Strong	$1,780Fees	0.081%Above	1,038
15	COVANTAGE CREDIT UNIONCredit Union	Strong	Strong	Strong	Strong	$489Fees	0.169%Above	900
16	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Strong	Exceptional	$2,704Fees	0.425%Above	5,609
17	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Sound	Strong	Exceptional	$2,518Fees	0.382%Above	4,121
18	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Exceptional	$2,533Fees	0.340%Above	3,991
19	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Exceptional	$2,404Fees	0.349%Above	3,486
20	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Strong	Exceptional	$2,231Fees	0.005%Above	3,420
21	RUOFF MORTGAGE COMPANY, INC.Independent Mortgage Company	Strong	Sound	Strong	Exceptional	$1,997Fees	0.469%Above	2,239
22	ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	$2,046Fees	0.409%Above	1,579
23	Community Bank, National AssociationBank	Strong	Sound	Strong	Exceptional	$366Fees	0.795%Above	1,195
24	MORTGAGE INVESTORS GROUP, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	$2,390Fees	0.367%Above	936
25	Ameris BankBank	Strong	Sound	Exceptional	Strong	$2,573Fees	0.286%Above	867
26	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,625Fees	0.492%Above	37,600
27	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,605Fees	0.470%Above	8,330
28	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,425Fees	0.548%Above	7,148
29	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,011Fees	0.479%Above	5,076
30	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$2,871Fees	0.449%Above	4,885
31	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,025Fees	0.645%Above	3,542
32	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,116Fees	0.498%Above	2,246
33	USAA Federal Savings BankBank	Strong	Sound	Sound	Exceptional	$1,744Fees	0.074%Below	2,217
34	FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$2,946Fees	0.427%Above	1,968
35	Renasant BankBank	Strong	Acceptable	Exceptional	Exceptional	$2,343Fees	0.322%Above	1,644
36	Regions BankBank	Strong	Sound	Strong	Strong	$1,658Fees	0.506%Above	1,627
37	DAS Acquisition Company, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$2,554Fees	0.693%Above	1,573
38	Cadence BankBank	Strong	Sound	Strong	Strong	$1,746Fees	0.377%Above	1,010
39	The Central Trust BankBank	Strong	Sound	Strong	Strong	$1,688Fees	0.366%Above	1,008
40	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$1,882Fees	0.609%Above	12,427
41	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$3,561Fees	0.657%Above	6,849
42	Flagstar Bank, N.A.Bank	Strong	Acceptable	Strong	Exceptional	$2,451Fees	0.394%Above	3,521
43	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$3,423Fees	0.526%Above	2,708
44	ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,437Fees	0.512%Above	1,638
45	STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$2,830Fees	0.548%Above	1,572
46	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,351Fees	0.581%Above	1,525
47	NFM, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$4,218Fees	0.642%Above	1,212
48	Alcova Mortgage LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,146Fees	0.576%Above	1,210
49	T2 FINANCIAL LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,219Fees	0.569%Above	936
50	Bell BankBank	Strong	Acceptable	Exceptional	Strong	$2,814Fees	0.336%Above	876

How We Rank Lenders

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.

Our Point System (Max 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

Place

Local market expertise (33%)

Data Integrity & Updates

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.