Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | VELOCIO MORTGAGE L.L.C.Independent Mortgage Company | Exceptional | Exceptional | Exceptional | Exceptional | Strong | $466Fees | 0.871%Below | 441 | |
2 | First National Bank of PennsylvaniaBank | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,349Fees | 0.072%Above | 1,549 | |
3 | JET HOMELOANS, LPIndependent Mortgage Company | Exceptional | Exceptional | Strong | Exceptional | Strong | $2,465Fees | 0.372%Below | 301 | |
4 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,744Fees | 0.008%Above | 2,212 | |
5 | First-Citizens Bank & Trust CompanyBank | Exceptional | Exceptional | Strong | Sound | Exceptional | $1,445Fees | 0.037%Below | 1,922 | |
6 | MATTAMY HOME FUNDING, LLCIndependent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Strong | $1,312Fees | 0.569%Above | 533 | |
7 | North State BankBank | Exceptional | Exceptional | Strong | Strong | Strong | $1,047Fees | 0.002%Above | 453 | |
8 | First Heritage Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,293Fees | 0.225%Above | 385 | |
9 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,389Fees | 0.004%Above | 7,350 | |
10 | American Security Mortgage Corp.Independent Mortgage Company | Exceptional | Strong | Strong | Strong | Exceptional | $1,873Fees | 0.113%Above | 2,629 | |
11 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,299Fees | 0.277%Above | 1,034 | |
12 | First BankBank | Exceptional | Exceptional | Sound | Sound | Exceptional | $1,277Fees | 0.069%Above | 591 | |
13 | NBKC BANKBank | Exceptional | Exceptional | Strong | Sound | Strong | $590Fees | 0.215%Below | 434 | |
14 | SOFI BANK, NATIONAL ASSOCIATIONBank | Exceptional | Exceptional | Strong | Sound | Strong | $580Fees | 0.159%Above | 334 | |
15 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,642Fees | 0.102%Below | 2,722 | |
16 | Truist BankBank | Exceptional | Strong | Strong | Sound | Exceptional | $608Fees | 0.075%Above | 2,669 | |
17 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $2,510Fees | 0.182%Below | 1,508 | |
18 | Towne BankBank | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,358Fees | 0.304%Above | 904 | |
19 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,929Fees | 0.113%Above | 777 | |
20 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $834Fees | 0.030%Above | 604 | |
21 | Fifth Third Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $197Fees | 0.059%Above | 579 | |
22 | INTERCOASTAL MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Strong | Strong | Strong | $1,577Fees | 0.311%Above | 507 | |
23 | Pinnacle BankBank | Exceptional | Strong | Strong | Strong | Strong | $1,976Fees | 0.144%Above | 421 | |
24 | SouthState Bank, National AssociationBank | Exceptional | Strong | Strong | Strong | Strong | $2,219Fees | 0.189%Above | 297 | |
25 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,832Fees | 0.311%Above | 11,593 | |
26 | ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,434Fees | 0.390%Above | 4,640 | |
27 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,054Fees | 0.456%Above | 2,765 | |
28 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,086Fees | 0.443%Above | 1,664 | |
29 | Alcova Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,702Fees | 0.322%Above | 1,014 | |
30 | M/I FINANCIAL, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $4,908Fees | 0.008%Above | 690 | |
31 | Ameris BankBank | Strong | Sound | Exceptional | Strong | Strong | $2,982Fees | 0.195%Above | 549 | |
32 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $2,409Fees | 0.291%Above | 452 | |
33 | PNC Bank, National AssociationBank | Strong | Strong | Strong | Sound | Strong | $193Fees | 0.084%Above | 418 | |
34 | CORPORATE INVESTORS MORTGAGE GROUP, INCIndependent Mortgage Company | Strong | Strong | Sound | Strong | Strong | $2,770Fees | 0.145%Above | 375 | |
35 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,364Fees | 0.287%Above | 371 | |
36 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,295Fees | 0.525%Above | 364 | |
37 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,384Fees | 0.302%Above | 6,974 | |
38 | Wells Fargo Bank, National AssociationBank | Strong | Sound | Strong | Sound | Exceptional | $1,877Fees | 0.062%Above | 2,164 | |
39 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Sound | Exceptional | $1,815Fees | 0.063%Above | 2,074 | |
40 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,453Fees | 0.207%Above | 2,007 | |
41 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $1,850Fees | 0.291%Above | 1,149 | |
42 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,761Fees | 0.368%Above | 825 | |
43 | CORNERSTONE CAPITAL BANK, SSBBank | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,671Fees | 0.304%Above | 772 | |
44 | HOWARD HANNA FINANCIAL SERVICES, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $2,188Fees | 0.253%Above | 744 | |
45 | Primis Mortgage CompanyIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $2,700Fees | 0.284%Above | 679 | |
46 | United Community BankBank | Strong | Sound | Strong | Strong | Strong | $2,495Fees | 0.370%Above | 620 | |
47 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,219Fees | 0.484%Above | 474 | |
48 | Atlantic Coast Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,040Fees | 0.346%Above | 399 | |
49 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,932Fees | 0.131%Above | 394 | |
50 | Towne Mortgage of the Carolinas, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $3,076Fees | 0.237%Above | 368 |
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.