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 | Strong | Exceptional | Strong | Exceptional | $2,382Fees | 0.827%Below | 1,402 | |
2 | Truist BankBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $45Credit | 0.056%Below | 539 | |
3 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $788Fees | 0.641%Below | 286 | |
4 | North State BankBank | Exceptional | Exceptional | Sound | Strong | Exceptional | $1,049Fees | 0.056%Below | 268 | |
5 | PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company | Exceptional | Exceptional | Exceptional | Sound | Strong | $478Fees | 0.146%Below | 188 | |
6 | American Security Mortgage Corp.Independent Mortgage Company | Exceptional | Strong | Strong | Strong | Exceptional | $1,970Fees | 0.103%Above | 403 | |
7 | Bank of America, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,555Fees | 0.265%Below | 275 | |
8 | First National Bank of PennsylvaniaBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,078Fees | 0.019%Above | 140 | |
9 | NBKC BANKBank | Exceptional | Exceptional | Strong | Sound | Strong | $350Fees | 0.215%Below | 94 | |
10 | PNC Bank, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $371Credit | 0.028%Above | 85 | |
11 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $5,328Fees | 0.061%Above | 397 | |
12 | Wells Fargo Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $1,919Fees | 0.006%Above | 306 | |
13 | First Heritage Mortgage, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,342Fees | 0.280%Above | 177 | |
14 | Fifth Third Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $1,040Credit | 0.016%Below | 141 | |
15 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Sound | $392Fees | 0.031%Below | 67 | |
16 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,663Fees | 0.181%Above | 1,528 | |
17 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $1,482Fees | 0.050%Below | 1,409 | |
18 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $1,548Fees | 0.018%Above | 388 | |
19 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,034Fees | 0.142%Below | 372 | |
20 | VELOCIO MORTGAGE L.L.C.Independent Mortgage Company | Strong | Strong | Strong | Sound | Strong | $612Fees | 0.852%Below | 184 | |
21 | The Central Trust BankBank | Strong | Sound | Exceptional | Strong | Strong | $1,638Fees | 0.073%Above | 99 | |
22 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Strong | Strong | Sound | Strong | $1,501Fees | 0.069%Below | 83 | |
23 | FIRST EQUITY MORTGAGE INCORPORATEDIndependent Mortgage Company | Strong | Strong | Strong | Sound | Strong | $1,018Fees | 0.199%Above | 52 | |
24 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,003Fees | 0.208%Above | 903 | |
25 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,585Fees | 0.399%Above | 517 | |
26 | First-Citizens Bank & Trust CompanyBank | Strong | Sound | Strong | Sound | Exceptional | $1,572Fees | 0.130%Below | 363 | |
27 | COASTAL Federal Credit UnionCredit Union | Strong | Sound | Strong | Sound | Exceptional | $2,054Fees | 0.199%Above | 303 | |
28 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $1,943Fees | 0.070%Below | 280 | |
29 | ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,282Fees | 0.314%Above | 185 | |
30 | MATTAMY HOME FUNDING, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $1,229Fees | 0.703%Above | 185 | |
31 | Alcova Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,533Fees | 0.188%Above | 155 | |
32 | EQUITY RESOURCES, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $1,629Fees | 0.182%Above | 104 | |
33 | CORPORATE INVESTORS MORTGAGE GROUP, INCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $2,773Fees | 0.141%Above | 103 | |
34 | General Mortgage Capital CorporationIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $922Fees | 0.100%Below | 98 | |
35 | Ameris BankBank | Strong | Sound | Exceptional | Strong | Sound | $3,073Fees | 0.145%Above | 59 | |
36 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $1,910Fees | 0.025%Below | 52 | |
37 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,967Fees | 0.345%Above | 419 | |
38 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,006Fees | 0.263%Above | 313 | |
39 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $608Fees | 0.154%Below | 245 | |
40 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,514Fees | 0.147%Above | 220 | |
41 | United Community BankBank | Strong | Acceptable | Exceptional | Strong | Strong | $2,629Fees | 0.242%Above | 174 | |
42 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,788Fees | 0.270%Above | 126 | |
43 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,744Fees | 0.375%Above | 122 | |
44 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,593Fees | 0.327%Above | 115 | |
45 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,652Fees | 0.399%Above | 108 | |
46 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,717Fees | 0.066%Below | 103 | |
47 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,842Fees | 0.336%Above | 86 | |
48 | PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,161Fees | 0.421%Above | 78 | |
49 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,346Fees | 0.126%Above | 74 | |
50 | HOWARD HANNA FINANCIAL SERVICES, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,426Fees | 0.110%Above | 65 |
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.