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 OF MARYLAND, INCORPORATEDCredit Union | Exceptional | Strong | Strong | Strong | Exceptional | $1,425Fees | 0.001%Below | 35 | |
2 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Sound | $707Fees | 0.294%Below | 12 | |
3 | Truist BankBank | Exceptional | Strong | Exceptional | Strong | Sound | $1,433Fees | 0.010%Below | 20 | |
4 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,508Fees | 0.457%Above | 127 | |
5 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,050Fees | 0.371%Above | 143 | |
6 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,272Fees | 0.448%Above | 113 | |
7 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,801Fees | 0.169%Above | 38 | |
8 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Sound | $3,789Fees | 0.284%Above | 11 | |
9 | FIRST HOME MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $4,563Fees | 0.505%Above | 59 | |
10 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,899Fees | 0.406%Above | 41 | |
11 | MERIDIAN BANKBank | Strong | Sound | Strong | Strong | Sound | $5,197Fees | 0.313%Above | 19 | |
12 | Nations Lending CorporationIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $2,936Fees | 0.712%Above | 13 | |
13 | BAY CAPITAL MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $2,081Fees | 0.252%Above | 29 | |
14 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,914Fees | 0.440%Above | 17 | |
15 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Acceptable | $1,848Fees | 0.038%Above | 10 | |
16 | CHURCHILL MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $2,137Fees | 0.356%Above | 31 | |
17 | NFM, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $2,951Fees | 0.549%Above | 29 | |
18 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $2,918Fees | 0.585%Above | 23 | |
19 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Acceptable | $3,718Fees | 0.840%Above | 10 | |
20 | Waterstone Mortgage CorporationIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $5,352Fees | 0.748%Above | 22 | |
21 | DIRECT MORTGAGE LOANS, LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $4,667Fees | 0.615%Above | 21 | |
22 | EMBRACE HOME LOANS, INC.Independent Mortgage Company | Sound | Acceptable | Strong | Sound | Sound | $4,481Fees | 0.517%Above | 19 |
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.