Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | VELOCIO MORTGAGE L.L.C.Independent Mortgage Company | Exceptional | Exceptional | Exceptional | Strong | $339Fees | 0.886%Below | 47 | |
2 | STATE EMPLOYEES'Credit Union | Exceptional | Strong | Strong | Exceptional | $2,012Fees | 0.682%Below | 139 | |
3 | FBC MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | $1,778Fees | 0.399%Below | 29 | |
4 | Southern Bank and Trust CompanyBank | Strong | Strong | Strong | Strong | $1,327Fees | 0.009%Above | 29 | |
5 | Truist BankBank | Strong | Strong | Strong | Strong | $932Fees | 0.231%Above | 28 | |
6 | NAVY FEDERAL CREDIT UNIONCredit Union | Strong | Exceptional | Sound | Sound | $1,006Fees | 0.384%Below | 25 | |
7 | KEYSTONE FUNDING, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | $4,321Fees | 0.365%Above | 45 | |
8 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | $3,372Fees | 0.021%Below | 40 | |
9 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,126Fees | 0.509%Above | 115 | |
10 | ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,498Fees | 0.301%Above | 112 | |
11 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | $4,088Fees | 0.413%Above | 60 | |
12 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Strong | $2,103Fees | 0.046%Above | 36 | |
13 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $3,703Fees | 0.080%Above | 29 | |
14 | Wells Fargo Bank, National AssociationBank | Strong | Strong | Sound | Sound | $1,879Fees | 0.005%Above | 22 | |
15 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Sound | $3,265Fees | 0.343%Above | 21 | |
16 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,861Fees | 0.770%Above | 48 | |
17 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $1,915Fees | 0.689%Above | 30 | |
18 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | $3,306Fees | 0.708%Above | 25 | |
19 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | $1,788Fees | 0.647%Above | 21 |
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.