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 | $2,382Fees | 0.827%Below | 1,402 | |
2 | Wells Fargo Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,919Fees | 0.006%Above | 306 | |
3 | Bank of America, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,555Fees | 0.265%Below | 275 | |
4 | North State BankBank | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,049Fees | 0.056%Below | 268 | |
5 | Truist BankBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $45Credit | 0.056%Below | 539 | |
6 | First-Citizens Bank & Trust CompanyBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,572Fees | 0.130%Below | 363 | |
7 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $788Fees | 0.641%Below | 286 | |
8 | U.S. Bank National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Sound | $392Fees | 0.031%Below | 67 | |
9 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,514Fees | 0.147%Above | 220 | |
10 | Fifth Third Bank, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,040Credit | 0.016%Below | 141 | |
11 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,663Fees | 0.181%Above | 1,528 | |
12 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,482Fees | 0.050%Below | 1,409 | |
13 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,003Fees | 0.208%Above | 903 | |
14 | COASTAL Federal Credit UnionCredit Union | Exceptional | Sound | Strong | Exceptional | Exceptional | $2,054Fees | 0.199%Above | 303 | |
15 | American Security Mortgage Corp.Independent Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $1,970Fees | 0.103%Above | 403 | |
16 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $1,548Fees | 0.018%Above | 388 | |
17 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,943Fees | 0.070%Below | 280 | |
18 | First National Bank of PennsylvaniaBank | Strong | Sound | Exceptional | Strong | Strong | $1,078Fees | 0.019%Above | 140 | |
19 | The Central Trust BankBank | Strong | Sound | Exceptional | Strong | Strong | $1,638Fees | 0.073%Above | 99 | |
20 | PNC Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $371Credit | 0.028%Above | 85 | |
21 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,585Fees | 0.399%Above | 517 | |
22 | CORPORATE INVESTORS MORTGAGE GROUP, INCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $2,773Fees | 0.141%Above | 103 | |
23 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,967Fees | 0.345%Above | 419 | |
24 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,006Fees | 0.263%Above | 313 | |
25 | Towne BankBank | Strong | Acceptable | Exceptional | Strong | Strong | $3,376Fees | 0.312%Above | 208 | |
26 | ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,282Fees | 0.314%Above | 185 | |
27 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $3,744Fees | 0.375%Above | 122 | |
28 | SFMC, LPIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $4,655Fees | 0.422%Above | 65 | |
29 | Flagstar Bank, N.A.Bank | Sound | Mediocre | Exceptional | Sound | Sound | $2,444Fees | 0.196%Above | 69 |
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.