Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | First BankBank | Exceptional | Exceptional | Strong | Exceptional | $1,277Fees | 0.069%Above | 591 | |
2 | VELOCIO MORTGAGE L.L.C.Independent Mortgage Company | Exceptional | Exceptional | Exceptional | Strong | $466Fees | 0.871%Below | 441 | |
3 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Sound | Exceptional | $706Fees | 0.541%Below | 2,526 | |
4 | North State BankBank | Exceptional | Exceptional | Strong | Strong | $1,047Fees | 0.002%Above | 453 | |
5 | STATE EMPLOYEES'Credit Union | Exceptional | Strong | Strong | Exceptional | $2,200Fees | 0.738%Below | 9,247 | |
6 | Truist BankBank | Exceptional | Strong | Strong | Exceptional | $608Fees | 0.075%Above | 2,669 | |
7 | First-Citizens Bank & Trust CompanyBank | Exceptional | Strong | Strong | Exceptional | $1,445Fees | 0.037%Below | 1,922 | |
8 | PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company | Exceptional | Exceptional | Sound | Strong | $733Fees | 0.093%Below | 545 | |
9 | NBKC BANKBank | Exceptional | Exceptional | Sound | Strong | $590Fees | 0.215%Below | 434 | |
10 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $2,389Fees | 0.004%Above | 7,350 | |
11 | Wells Fargo Bank, National AssociationBank | Strong | Strong | Sound | Exceptional | $1,877Fees | 0.062%Above | 2,164 | |
12 | Bank of America, National AssociationBank | Strong | Strong | Strong | Strong | $1,682Fees | 0.152%Below | 1,494 | |
13 | U.S. Bank National AssociationBank | Strong | Strong | Strong | Strong | $834Fees | 0.030%Above | 604 | |
14 | Fifth Third Bank, National AssociationBank | Strong | Strong | Strong | Strong | $197Fees | 0.059%Above | 579 | |
15 | MATTAMY HOME FUNDING, LLCIndependent Mortgage Company | Strong | Strong | Strong | Strong | $1,312Fees | 0.569%Above | 533 | |
16 | Southern Bank and Trust CompanyBank | Strong | Strong | Strong | Strong | $1,839Fees | 0.028%Above | 422 | |
17 | Pinnacle BankBank | Strong | Strong | Strong | Strong | $1,976Fees | 0.144%Above | 421 | |
18 | PNC Bank, National AssociationBank | Strong | Strong | Strong | Strong | $193Fees | 0.084%Above | 418 | |
19 | FOUNDERS FEDERAL CREDIT UNIONCredit Union | Strong | Strong | Strong | Strong | $1,205Fees | 0.530%Below | 333 | |
20 | HomeTrust BankBank | Strong | Strong | Strong | Strong | $1,168Fees | 0.032%Above | 330 | |
21 | JET HOMELOANS, LPIndependent Mortgage Company | Strong | Strong | Strong | Strong | $2,465Fees | 0.372%Below | 301 | |
22 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | $2,642Fees | 0.102%Below | 2,722 | |
23 | American Security Mortgage Corp.Independent Mortgage Company | Strong | Sound | Strong | Exceptional | $1,873Fees | 0.113%Above | 2,629 | |
24 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | $1,744Fees | 0.008%Above | 2,212 | |
25 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Exceptional | $1,815Fees | 0.063%Above | 2,074 | |
26 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Sound | Strong | Exceptional | $2,453Fees | 0.207%Above | 2,007 | |
27 | First National Bank of PennsylvaniaBank | Strong | Sound | Strong | Exceptional | $1,349Fees | 0.072%Above | 1,549 | |
28 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | $3,929Fees | 0.113%Above | 777 | |
29 | GoPrime Mortgage, Inc.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | $2,351Fees | 0.142%Above | 650 | |
30 | COASTAL Federal Credit UnionCredit Union | Strong | Sound | Strong | Exceptional | $2,002Fees | 0.207%Above | 579 | |
31 | Ameris BankBank | Strong | Sound | Exceptional | Strong | $2,982Fees | 0.195%Above | 549 | |
32 | Truliant Federal Credit UnionCredit Union | Strong | Strong | Sound | Strong | $888Fees | 0.349%Above | 532 | |
33 | INTERCOASTAL MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | $1,577Fees | 0.311%Above | 507 | |
34 | First Heritage Mortgage, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | $2,293Fees | 0.225%Above | 385 | |
35 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,832Fees | 0.311%Above | 11,593 | |
36 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $2,384Fees | 0.302%Above | 6,974 | |
37 | ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,434Fees | 0.390%Above | 4,640 | |
38 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,054Fees | 0.456%Above | 2,765 | |
39 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,086Fees | 0.443%Above | 1,664 | |
40 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $2,510Fees | 0.182%Below | 1,508 | |
41 | Alcova Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $2,702Fees | 0.322%Above | 1,014 | |
42 | CORPORATE INVESTORS MORTGAGE GROUP, INCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $2,770Fees | 0.145%Above | 375 | |
43 | EQUITY RESOURCES, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | $1,928Fees | 0.231%Above | 375 | |
44 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | $2,295Fees | 0.525%Above | 364 | |
45 | The Fidelity BankBank | Strong | Sound | Strong | Strong | $1,715Fees | 0.321%Above | 331 | |
46 | Uwharrie BankBank | Strong | Sound | Strong | Strong | $1,506Fees | 0.253%Above | 330 | |
47 | Regions BankBank | Strong | Sound | Strong | Strong | $1,922Fees | 0.199%Above | 316 | |
48 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $2,945Fees | 0.113%Above | 313 | |
49 | SouthState Bank, National AssociationBank | Strong | Sound | Strong | Strong | $2,219Fees | 0.189%Above | 297 | |
50 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $1,929Fees | 0.617%Above | 3,470 |
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.