Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Exceptional | $1,122Fees | 0.504%Below | 1,017 | |
2 | SAFE FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Strong | Strong | Exceptional | $574Fees | 0.094%Below | 315 | |
3 | First Reliance BankBank | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,719Fees | 0.106%Above | 679 | |
4 | Truist BankBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,077Fees | 0.109%Above | 628 | |
5 | First Heritage Mortgage, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,577Fees | 0.146%Above | 1,089 | |
6 | Wells Fargo Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Exceptional | $1,976Fees | 0.087%Above | 811 | |
7 | Bank of America, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,517Fees | 0.056%Below | 600 | |
8 | First Palmetto BankBank | Exceptional | Strong | Strong | Strong | Exceptional | $1,110Fees | 0.037%Above | 432 | |
9 | First National Bank of PennsylvaniaBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,194Fees | 0.007%Above | 366 | |
10 | STATE EMPLOYEES'Credit Union | Exceptional | Strong | Exceptional | Strong | Strong | $2,173Fees | 0.714%Below | 250 | |
11 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $458Fees | 0.112%Above | 238 | |
12 | NBKC BANKBank | Exceptional | Exceptional | Strong | Sound | Strong | $475Fees | 0.156%Below | 214 | |
13 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,633Fees | 0.177%Below | 1,553 | |
14 | Ameris BankBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,896Fees | 0.184%Above | 1,480 | |
15 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,247Fees | 0.026%Above | 1,302 | |
16 | SouthState Bank, National AssociationBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,899Fees | 0.213%Above | 1,165 | |
17 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,981Fees | 0.078%Above | 919 | |
18 | FOUNDERS FEDERAL CREDIT UNIONCredit Union | Exceptional | Strong | Strong | Sound | Exceptional | $489Fees | 0.234%Below | 537 | |
19 | Fifth Third Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $174Fees | 0.026%Below | 416 | |
20 | American Security Mortgage Corp.Independent Mortgage Company | Exceptional | Strong | Strong | Strong | Strong | $2,041Fees | 0.138%Above | 242 | |
21 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,996Fees | 0.306%Above | 5,799 | |
22 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,852Fees | 0.090%Above | 3,809 | |
23 | ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,164Fees | 0.452%Above | 838 | |
24 | RESOURCE FINANCIAL SERVICES, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $2,429Fees | 0.304%Above | 695 | |
25 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,255Fees | 0.377%Above | 467 | |
26 | VELOCIO MORTGAGE L.L.C.Independent Mortgage Company | Strong | Strong | Strong | Sound | Strong | $871Fees | 0.932%Below | 399 | |
27 | CountybankBank | Strong | Sound | Strong | Strong | Exceptional | $1,868Fees | 0.277%Above | 322 | |
28 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Strong | Strong | Sound | Strong | $3,169Fees | 0.168%Above | 305 | |
29 | First Federal BankBank | Strong | Strong | Strong | Sound | Strong | $1,907Fees | 0.016%Below | 297 | |
30 | Atlantic Coast Mortgage, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,899Fees | 0.320%Above | 256 | |
31 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,890Fees | 0.484%Above | 189 | |
32 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,380Fees | 0.337%Above | 3,120 | |
33 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,166Fees | 0.363%Above | 1,879 | |
34 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,889Fees | 0.218%Above | 1,294 | |
35 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,602Fees | 0.538%Above | 1,294 | |
36 | First-Citizens Bank & Trust CompanyBank | Strong | Sound | Strong | Sound | Exceptional | $1,420Fees | 0.007%Above | 1,145 | |
37 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,369Fees | 0.525%Above | 1,062 | |
38 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Sound | Exceptional | $2,197Fees | 0.153%Above | 1,011 | |
39 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,090Fees | 0.491%Above | 929 | |
40 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,554Fees | 0.347%Above | 814 | |
41 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,464Fees | 0.270%Above | 782 | |
42 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $1,798Fees | 0.017%Above | 560 | |
43 | Southern First BankBank | Strong | Sound | Strong | Sound | Exceptional | $1,788Fees | 0.221%Above | 517 | |
44 | Gateway First BankBank | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,453Fees | 0.491%Above | 507 | |
45 | JET HOMELOANS, LPIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $2,856Fees | 0.026%Below | 250 | |
46 | DELMAR FINANCIAL COMPANYIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $2,572Fees | 0.286%Above | 216 | |
47 | Alcova Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,512Fees | 0.427%Above | 200 | |
48 | SRP Federal Credit UnionCredit Union | Strong | Sound | Strong | Strong | Strong | $2,828Fees | 0.149%Below | 176 | |
49 | Synovus BankBank | Strong | Sound | Strong | Strong | Strong | $1,567Fees | 0.081%Above | 172 |
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.