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 | JET HOMELOANS, LPIndependent Mortgage Company | Exceptional | Exceptional | Exceptional | Exceptional | Strong | $2,465Fees | 0.372%Below | 301 | |
3 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,389Fees | 0.004%Above | 7,350 | |
4 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Exceptional | $706Fees | 0.541%Below | 2,526 | |
5 | North State BankBank | Exceptional | Exceptional | Strong | Exceptional | Strong | $1,047Fees | 0.002%Above | 453 | |
6 | NBKC BANKBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $590Fees | 0.215%Below | 434 | |
7 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,744Fees | 0.008%Above | 2,212 | |
8 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,453Fees | 0.207%Above | 2,007 | |
9 | First-Citizens Bank & Trust CompanyBank | Exceptional | Exceptional | Strong | Sound | Exceptional | $1,445Fees | 0.037%Below | 1,922 | |
10 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Strong | $3,929Fees | 0.113%Above | 777 | |
11 | CORNERSTONE CAPITAL BANK, SSBBank | Exceptional | Strong | Exceptional | Exceptional | Strong | $3,671Fees | 0.304%Above | 772 | |
12 | GoPrime Mortgage, Inc.Independent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,351Fees | 0.142%Above | 650 | |
13 | First BankBank | Exceptional | Exceptional | Sound | Strong | Exceptional | $1,277Fees | 0.069%Above | 591 | |
14 | Fifth Third Bank, National AssociationBank | Exceptional | Exceptional | Strong | Strong | Strong | $197Fees | 0.059%Above | 579 | |
15 | Ameris BankBank | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,982Fees | 0.195%Above | 549 | |
16 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,384Fees | 0.302%Above | 6,974 | |
17 | American Security Mortgage Corp.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,873Fees | 0.113%Above | 2,629 | |
18 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Exceptional | $1,815Fees | 0.063%Above | 2,074 | |
19 | First National Bank of PennsylvaniaBank | Exceptional | Strong | Strong | Strong | Exceptional | $1,349Fees | 0.072%Above | 1,549 | |
20 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,510Fees | 0.182%Below | 1,508 | |
21 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,299Fees | 0.277%Above | 1,034 | |
22 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $834Fees | 0.030%Above | 604 | |
23 | MATTAMY HOME FUNDING, LLCIndependent Mortgage Company | Exceptional | Strong | Strong | Exceptional | Strong | $1,312Fees | 0.569%Above | 533 | |
24 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,295Fees | 0.525%Above | 364 | |
25 | SOFI BANK, NATIONAL ASSOCIATIONBank | Exceptional | Exceptional | Strong | Sound | Strong | $580Fees | 0.159%Above | 334 | |
26 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,642Fees | 0.102%Below | 2,722 | |
27 | Truist BankBank | Exceptional | Strong | Strong | Sound | Exceptional | $608Fees | 0.075%Above | 2,669 | |
28 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,037Fees | 0.173%Above | 1,052 | |
29 | Towne BankBank | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,358Fees | 0.304%Above | 904 | |
30 | USAA Federal Savings BankBank | Exceptional | Strong | Exceptional | Sound | Strong | $2,003Fees | 0.151%Below | 739 | |
31 | M/I FINANCIAL, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $4,908Fees | 0.008%Above | 690 | |
32 | United Community BankBank | Exceptional | Strong | Strong | Strong | Strong | $2,495Fees | 0.370%Above | 620 | |
33 | Pinnacle BankBank | Exceptional | Strong | Strong | Strong | Strong | $1,976Fees | 0.144%Above | 421 | |
34 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,932Fees | 0.131%Above | 394 | |
35 | First Heritage Mortgage, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,293Fees | 0.225%Above | 385 | |
36 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,832Fees | 0.311%Above | 11,593 | |
37 | ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,434Fees | 0.390%Above | 4,640 | |
38 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,054Fees | 0.456%Above | 2,765 | |
39 | Wells Fargo Bank, National AssociationBank | Strong | Sound | Exceptional | Sound | Exceptional | $1,877Fees | 0.062%Above | 2,164 | |
40 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,850Fees | 0.291%Above | 1,149 | |
41 | Alcova Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,702Fees | 0.322%Above | 1,014 | |
42 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,263Fees | 0.075%Above | 541 | |
43 | INTERCOASTAL MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | Strong | $1,577Fees | 0.311%Above | 507 | |
44 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $2,409Fees | 0.291%Above | 452 | |
45 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,364Fees | 0.287%Above | 371 | |
46 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,480Fees | 0.251%Above | 358 | |
47 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,929Fees | 0.617%Above | 3,470 | |
48 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,604Fees | 0.487%Above | 2,671 | |
49 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,086Fees | 0.443%Above | 1,664 | |
50 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,761Fees | 0.368%Above | 825 |
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.