Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Exceptional | $706Fees | 0.541%Below | 2,526 | |
2 | First BankBank | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,277Fees | 0.069%Above | 591 | |
3 | STATE EMPLOYEES'Credit Union | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,200Fees | 0.738%Below | 9,247 | |
4 | Truist BankBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $608Fees | 0.075%Above | 2,669 | |
5 | First National Bank of PennsylvaniaBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,349Fees | 0.072%Above | 1,549 | |
6 | PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company | Exceptional | Exceptional | Exceptional | Sound | Strong | $733Fees | 0.093%Below | 545 | |
7 | HomeTrust BankBank | Exceptional | Exceptional | Strong | Strong | Strong | $1,168Fees | 0.032%Above | 330 | |
8 | American Security Mortgage Corp.Independent Mortgage Company | Exceptional | Strong | Strong | Strong | Exceptional | $1,873Fees | 0.113%Above | 2,629 | |
9 | Wells Fargo Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Exceptional | $1,877Fees | 0.062%Above | 2,164 | |
10 | Bank of America, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,682Fees | 0.152%Below | 1,494 | |
11 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $834Fees | 0.030%Above | 604 | |
12 | North State BankBank | Exceptional | Exceptional | Sound | Strong | Strong | $1,047Fees | 0.002%Above | 453 | |
13 | NBKC BANKBank | Exceptional | Exceptional | Strong | Sound | Strong | $590Fees | 0.215%Below | 434 | |
14 | PNC Bank, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $193Fees | 0.084%Above | 418 | |
15 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,642Fees | 0.102%Below | 2,722 | |
16 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,815Fees | 0.063%Above | 2,074 | |
17 | Fifth Third Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $197Fees | 0.059%Above | 579 | |
18 | First Heritage Mortgage, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,293Fees | 0.225%Above | 385 | |
19 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,832Fees | 0.311%Above | 11,593 | |
20 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,389Fees | 0.004%Above | 7,350 | |
21 | ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,434Fees | 0.390%Above | 4,640 | |
22 | Alcova Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,702Fees | 0.322%Above | 1,014 | |
23 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,929Fees | 0.113%Above | 777 | |
24 | Ameris BankBank | Strong | Sound | Exceptional | Strong | Strong | $2,982Fees | 0.195%Above | 549 | |
25 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Strong | Strong | Sound | Strong | $2,263Fees | 0.075%Above | 541 | |
26 | Truliant Federal Credit UnionCredit Union | Strong | Strong | Strong | Sound | Strong | $888Fees | 0.349%Above | 532 | |
27 | VELOCIO MORTGAGE L.L.C.Independent Mortgage Company | Strong | Strong | Strong | Sound | Strong | $466Fees | 0.871%Below | 441 | |
28 | Atlantic Coast Mortgage, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,040Fees | 0.346%Above | 399 | |
29 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,480Fees | 0.251%Above | 358 | |
30 | FOUNDERS FEDERAL CREDIT UNIONCredit Union | Strong | Strong | Strong | Sound | Strong | $1,205Fees | 0.530%Below | 333 | |
31 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,945Fees | 0.113%Above | 313 | |
32 | SouthState Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $2,219Fees | 0.189%Above | 297 | |
33 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,384Fees | 0.302%Above | 6,974 | |
34 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,054Fees | 0.456%Above | 2,765 | |
35 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,604Fees | 0.487%Above | 2,671 | |
36 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Sound | Exceptional | $1,744Fees | 0.008%Above | 2,212 | |
37 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,453Fees | 0.207%Above | 2,007 | |
38 | First-Citizens Bank & Trust CompanyBank | Strong | Sound | Strong | Sound | Exceptional | $1,445Fees | 0.037%Below | 1,922 | |
39 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,086Fees | 0.443%Above | 1,664 | |
40 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $2,510Fees | 0.182%Below | 1,508 | |
41 | COASTAL Federal Credit UnionCredit Union | Strong | Sound | Strong | Sound | Exceptional | $2,002Fees | 0.207%Above | 579 | |
42 | MATTAMY HOME FUNDING, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $1,312Fees | 0.569%Above | 533 | |
43 | INTERCOASTAL MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $1,577Fees | 0.311%Above | 507 | |
44 | Southern Bank and Trust CompanyBank | Strong | Sound | Strong | Strong | Strong | $1,839Fees | 0.028%Above | 422 | |
45 | Pinnacle BankBank | Strong | Sound | Strong | Strong | Strong | $1,976Fees | 0.144%Above | 421 | |
46 | CORPORATE INVESTORS MORTGAGE GROUP, INCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $2,770Fees | 0.145%Above | 375 | |
47 | EQUITY RESOURCES, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $1,928Fees | 0.231%Above | 375 | |
48 | JET HOMELOANS, LPIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $2,465Fees | 0.372%Below | 301 | |
49 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,732Fees | 0.338%Above | 1,255 | |
50 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,037Fees | 0.173%Above | 1,052 |
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.