Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | STATE EMPLOYEES'Credit Union | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $2,200Fees | 0.738%Below | 9,247 | |
2 | Wells Fargo Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $1,877Fees | 0.062%Above | 2,164 | |
3 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Exceptional | $706Fees | 0.541%Below | 2,526 | |
4 | Bank of America, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,682Fees | 0.152%Below | 1,494 | |
5 | U.S. Bank National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $834Fees | 0.030%Above | 604 | |
6 | Truist BankBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $608Fees | 0.075%Above | 2,669 | |
7 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,453Fees | 0.207%Above | 2,007 | |
8 | First-Citizens Bank & Trust CompanyBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,445Fees | 0.037%Below | 1,922 | |
9 | First BankBank | Exceptional | Exceptional | Strong | Sound | Exceptional | $1,277Fees | 0.069%Above | 591 | |
10 | North State BankBank | Exceptional | Exceptional | Strong | Strong | Strong | $1,047Fees | 0.002%Above | 453 | |
11 | Fifth Third Bank, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $197Fees | 0.059%Above | 579 | |
12 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,832Fees | 0.311%Above | 11,593 | |
13 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,389Fees | 0.004%Above | 7,350 | |
14 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,384Fees | 0.302%Above | 6,974 | |
15 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,815Fees | 0.063%Above | 2,074 | |
16 | First National Bank of PennsylvaniaBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,349Fees | 0.072%Above | 1,549 | |
17 | COASTAL Federal Credit UnionCredit Union | Exceptional | Sound | Strong | Exceptional | Exceptional | $2,002Fees | 0.207%Above | 579 | |
18 | Truliant Federal Credit UnionCredit Union | Exceptional | Strong | Strong | Strong | Strong | $888Fees | 0.349%Above | 532 | |
19 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Exceptional | $2,642Fees | 0.102%Below | 2,722 | |
20 | American Security Mortgage Corp.Independent Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $1,873Fees | 0.113%Above | 2,629 | |
21 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,510Fees | 0.182%Below | 1,508 | |
22 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,037Fees | 0.173%Above | 1,052 | |
23 | Southern Bank and Trust CompanyBank | Strong | Strong | Sound | Strong | Strong | $1,839Fees | 0.028%Above | 422 | |
24 | PNC Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $193Fees | 0.084%Above | 418 | |
25 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,932Fees | 0.131%Above | 394 | |
26 | TD Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $812Fees | 0.239%Above | 359 | |
27 | Regions BankBank | Strong | Sound | Exceptional | Strong | Strong | $1,922Fees | 0.199%Above | 316 | |
28 | ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,434Fees | 0.390%Above | 4,640 | |
29 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,054Fees | 0.456%Above | 2,765 | |
30 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,604Fees | 0.487%Above | 2,671 | |
31 | CORPORATE INVESTORS MORTGAGE GROUP, INCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $2,770Fees | 0.145%Above | 375 | |
32 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,732Fees | 0.338%Above | 1,255 | |
33 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,299Fees | 0.277%Above | 1,034 | |
34 | Alcova Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Sound | Exceptional | Exceptional | $2,702Fees | 0.322%Above | 1,014 | |
35 | Towne BankBank | Strong | Acceptable | Exceptional | Strong | Strong | $3,358Fees | 0.304%Above | 904 | |
36 | Ameris BankBank | Strong | Acceptable | Exceptional | Strong | Strong | $2,982Fees | 0.195%Above | 549 | |
37 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Strong | Sound | Acceptable | Strong | $2,263Fees | 0.075%Above | 541 | |
38 | Uwharrie BankBank | Strong | Sound | — | Strong | Strong | $1,506Fees | 0.253%Above | 330 | |
39 | SouthState Bank, National AssociationBank | Strong | Acceptable | Exceptional | Strong | Strong | $2,219Fees | 0.189%Above | 297 | |
40 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Strong | Sound | Exceptional | $3,086Fees | 0.443%Above | 1,664 | |
41 | NEWREZ LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $1,850Fees | 0.291%Above | 1,149 | |
42 | Integrity Home Mortgage CorporationIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $2,661Fees | 0.405%Above | 530 | |
43 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $2,525Fees | 0.404%Above | 436 | |
44 | First Heritage Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $2,293Fees | 0.225%Above | 385 | |
45 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD.Independent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $3,220Fees | 0.272%Above | 975 | |
46 | NFM, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,761Fees | 0.368%Above | 825 | |
47 | Primis Mortgage CompanyIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $2,700Fees | 0.284%Above | 679 | |
48 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $3,219Fees | 0.484%Above | 474 | |
49 | The Federal Savings BankBank | Strong | Acceptable | Strong | Sound | Strong | $4,026Fees | 0.752%Above | 366 | |
50 | Pinnacle BankBank | Sound | Mediocre | Strong | Strong | Strong | $1,976Fees | 0.144%Above | 421 |
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.