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 | $2,012Fees | 0.682%Below | 139 | |
2 | Truist BankBank | Exceptional | Strong | Exceptional | Strong | Strong | $932Fees | 0.231%Above | 28 | |
3 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Sound | $1,006Fees | 0.384%Below | 25 | |
4 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,126Fees | 0.509%Above | 115 | |
5 | ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,498Fees | 0.301%Above | 112 | |
6 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $2,103Fees | 0.046%Above | 36 | |
7 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,703Fees | 0.080%Above | 29 | |
8 | Wells Fargo Bank, National AssociationBank | Strong | Strong | Exceptional | Sound | Sound | $1,879Fees | 0.005%Above | 22 | |
9 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,372Fees | 0.021%Below | 40 | |
10 | Southern Bank and Trust CompanyBank | Strong | Sound | Strong | Strong | Strong | $1,327Fees | 0.009%Above | 29 | |
11 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,088Fees | 0.413%Above | 60 | |
12 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,915Fees | 0.689%Above | 30 | |
13 | Alcova Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $2,455Fees | 0.504%Above | 12 | |
14 | KEYSTONE FUNDING, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $4,321Fees | 0.365%Above | 45 | |
15 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,306Fees | 0.708%Above | 25 | |
16 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $1,788Fees | 0.647%Above | 21 | |
17 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,509Fees | 0.775%Above | 17 | |
18 | COASTAL Federal Credit UnionCredit Union | Strong | Sound | Strong | Sound | Sound | $1,843Fees | 0.036%Above | 11 | |
19 | FBC MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $1,778Fees | 0.399%Below | 29 | |
20 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Sound | $2,786Fees | 1.022%Above | 18 | |
21 | Towne Mortgage of the Carolinas, LLCIndependent Mortgage Company | Sound | Acceptable | Sound | Strong | Sound | $2,525Fees | 0.484%Above | 15 | |
22 | ZILLOW HOME LOANS, LLCIndependent Mortgage Company | Sound | Acceptable | Strong | Sound | Sound | $2,827Fees | 0.382%Above | 11 | |
23 | AgCarolina Farm Credit, FLCAIndependent Mortgage Company | Sound | Mediocre | Sound | Sound | Sound | $3,924Fees | 1.589%Above | 10 |
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.