Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | North State BankBank | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $1,049Fees | 0.056%Below | 268 | |
2 | VELOCIO MORTGAGE L.L.C.Independent Mortgage Company | Exceptional | Exceptional | Exceptional | Exceptional | Strong | $612Fees | 0.852%Below | 184 | |
3 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $1,482Fees | 0.050%Below | 1,409 | |
4 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $5,328Fees | 0.061%Above | 397 | |
5 | NBKC BANKBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $350Fees | 0.215%Below | 94 | |
6 | JET HOMELOANS, LPIndependent Mortgage Company | Exceptional | Exceptional | Exceptional | Exceptional | Sound | $1,987Fees | 0.444%Below | 56 | |
7 | FBC MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Exceptional | Exceptional | Exceptional | Sound | $3,016Fees | 0.247%Below | 52 | |
8 | First-Citizens Bank & Trust CompanyBank | Exceptional | Exceptional | Strong | Sound | Exceptional | $1,572Fees | 0.130%Below | 363 | |
9 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $788Fees | 0.641%Below | 286 | |
10 | GoPrime Mortgage, Inc.Independent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,433Fees | 0.297%Above | 166 | |
11 | CORNERSTONE CAPITAL BANK, SSBBank | Exceptional | Strong | Exceptional | Exceptional | Strong | $4,948Fees | 0.300%Above | 159 | |
12 | Fifth Third Bank, National AssociationBank | Exceptional | Exceptional | Strong | Strong | Strong | $1,040Credit | 0.016%Below | 141 | |
13 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,003Fees | 0.208%Above | 903 | |
14 | American Security Mortgage Corp.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,970Fees | 0.103%Above | 403 | |
15 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,006Fees | 0.263%Above | 313 | |
16 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,943Fees | 0.070%Below | 280 | |
17 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,753Fees | 0.020%Below | 247 | |
18 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,514Fees | 0.147%Above | 220 | |
19 | MATTAMY HOME FUNDING, LLCIndependent Mortgage Company | Exceptional | Strong | Strong | Exceptional | Strong | $1,229Fees | 0.703%Above | 185 | |
20 | Ameris BankBank | Exceptional | Strong | Exceptional | Exceptional | Sound | $3,073Fees | 0.145%Above | 59 | |
21 | Truist BankBank | Exceptional | Strong | Strong | Sound | Exceptional | $45Credit | 0.056%Below | 539 | |
22 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $608Fees | 0.154%Below | 245 | |
23 | Towne BankBank | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,376Fees | 0.312%Above | 208 | |
24 | First Heritage Mortgage, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,342Fees | 0.280%Above | 177 | |
25 | United Community BankBank | Exceptional | Strong | Strong | Strong | Strong | $2,629Fees | 0.242%Above | 174 | |
26 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,717Fees | 0.066%Below | 103 | |
27 | USAA Federal Savings BankBank | Exceptional | Strong | Exceptional | Sound | Strong | $1,989Fees | 0.147%Below | 94 | |
28 | RESICENTRAL, LLCIndependent Mortgage Company | Exceptional | Strong | Strong | Strong | Strong | $1,525Fees | 0.130%Above | 73 | |
29 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,663Fees | 0.181%Above | 1,528 | |
30 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,585Fees | 0.399%Above | 517 | |
31 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,034Fees | 0.142%Below | 372 | |
32 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,536Fees | 0.315%Above | 151 | |
33 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,501Fees | 0.069%Below | 83 | |
34 | FIRST EQUITY MORTGAGE INCORPORATEDIndependent Mortgage Company | Strong | Strong | Strong | Sound | Strong | $1,018Fees | 0.199%Above | 52 | |
35 | Wells Fargo Bank, National AssociationBank | Strong | Sound | Exceptional | Sound | Strong | $1,919Fees | 0.006%Above | 306 | |
36 | Towne Mortgage of the Carolinas, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | Exceptional | $3,010Fees | 0.200%Above | 224 | |
37 | FIRST HOME MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,200Fees | 0.355%Above | 223 | |
38 | ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,282Fees | 0.314%Above | 185 | |
39 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,575Fees | 0.415%Above | 177 | |
40 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,652Fees | 0.399%Above | 108 | |
41 | EQUITY RESOURCES, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $1,629Fees | 0.182%Above | 104 | |
42 | The Central Trust BankBank | Strong | Sound | Strong | Strong | Strong | $1,638Fees | 0.073%Above | 99 | |
43 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Sound | $2,444Fees | 0.196%Above | 69 | |
44 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,967Fees | 0.345%Above | 419 | |
45 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,570Fees | 0.235%Above | 223 | |
46 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,593Fees | 0.327%Above | 115 | |
47 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,842Fees | 0.336%Above | 86 | |
48 | Primis Mortgage CompanyIndependent Mortgage Company | Strong | Sound | Strong | Strong | Sound | $2,590Fees | 0.181%Above | 52 | |
49 | ZILLOW HOME LOANS, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $2,537Fees | 0.224%Above | 284 | |
50 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $3,744Fees | 0.375%Above | 122 |
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.