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 | $871Fees | 0.932%Below | 399 | |
2 | SAFE FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Strong | Exceptional | $574Fees | 0.094%Below | 315 | |
3 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Sound | Exceptional | $1,122Fees | 0.504%Below | 1,017 | |
4 | FBC MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | $1,259Fees | 0.629%Below | 931 | |
5 | First-Citizens Bank & Trust CompanyBank | Exceptional | Strong | Strong | Exceptional | $1,420Fees | 0.007%Above | 1,145 | |
6 | First Reliance BankBank | Exceptional | Strong | Strong | Exceptional | $1,719Fees | 0.106%Above | 679 | |
7 | Truist BankBank | Exceptional | Strong | Strong | Exceptional | $1,077Fees | 0.109%Above | 628 | |
8 | FOUNDERS FEDERAL CREDIT UNIONCredit Union | Exceptional | Strong | Strong | Exceptional | $489Fees | 0.234%Below | 537 | |
9 | First Palmetto BankBank | Exceptional | Strong | Strong | Exceptional | $1,110Fees | 0.037%Above | 432 | |
10 | First Federal BankBank | Exceptional | Exceptional | Sound | Strong | $1,907Fees | 0.016%Below | 297 | |
11 | NBKC BANKBank | Exceptional | Exceptional | Sound | Strong | $475Fees | 0.156%Below | 214 | |
12 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $2,852Fees | 0.090%Above | 3,809 | |
13 | Ameris BankBank | Strong | Sound | Exceptional | Exceptional | $2,896Fees | 0.184%Above | 1,480 | |
14 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $3,247Fees | 0.026%Above | 1,302 | |
15 | First Heritage Mortgage, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $2,577Fees | 0.146%Above | 1,089 | |
16 | Wells Fargo Bank, National AssociationBank | Strong | Strong | Sound | Exceptional | $1,976Fees | 0.087%Above | 811 | |
17 | Bank of America, National AssociationBank | Strong | Strong | Strong | Strong | $1,517Fees | 0.056%Below | 600 | |
18 | Fifth Third Bank, National AssociationBank | Strong | Strong | Strong | Strong | $174Fees | 0.026%Below | 416 | |
19 | JET HOMELOANS, LPIndependent Mortgage Company | Strong | Strong | Strong | Strong | $2,856Fees | 0.026%Below | 250 | |
20 | STATE EMPLOYEES'Credit Union | Strong | Strong | Strong | Strong | $2,173Fees | 0.714%Below | 250 | |
21 | U.S. Bank National AssociationBank | Strong | Strong | Strong | Strong | $458Fees | 0.112%Above | 238 | |
22 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | $2,633Fees | 0.177%Below | 1,553 | |
23 | SouthState Bank, National AssociationBank | Strong | Sound | Strong | Exceptional | $1,899Fees | 0.213%Above | 1,165 | |
24 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | $2,197Fees | 0.153%Above | 1,011 | |
25 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Exceptional | $1,981Fees | 0.078%Above | 919 | |
26 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Sound | Strong | Exceptional | $2,464Fees | 0.270%Above | 782 | |
27 | RESOURCE FINANCIAL SERVICES, INC.Independent Mortgage Company | Strong | Sound | Strong | Exceptional | $2,429Fees | 0.304%Above | 695 | |
28 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | $2,255Fees | 0.377%Above | 467 | |
29 | CountybankBank | Strong | Sound | Strong | Exceptional | $1,868Fees | 0.277%Above | 322 | |
30 | First Community BankBank | Strong | Sound | Strong | Exceptional | $2,677Fees | 0.244%Above | 273 | |
31 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,996Fees | 0.306%Above | 5,799 | |
32 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $2,380Fees | 0.337%Above | 3,120 | |
33 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,166Fees | 0.363%Above | 1,879 | |
34 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,889Fees | 0.218%Above | 1,294 | |
35 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,369Fees | 0.525%Above | 1,062 | |
36 | ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,164Fees | 0.452%Above | 838 | |
37 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $2,554Fees | 0.347%Above | 814 | |
38 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $1,798Fees | 0.017%Above | 560 | |
39 | Southern First BankBank | Strong | Sound | Sound | Exceptional | $1,788Fees | 0.221%Above | 517 | |
40 | First National Bank of PennsylvaniaBank | Strong | Sound | Strong | Strong | $1,194Fees | 0.007%Above | 366 | |
41 | Regions BankBank | Strong | Sound | Strong | Strong | $2,326Fees | 0.105%Above | 341 | |
42 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | $2,542Fees | 0.255%Above | 285 | |
43 | American Security Mortgage Corp.Independent Mortgage Company | Strong | Sound | Strong | Strong | $2,041Fees | 0.138%Above | 242 | |
44 | DELMAR FINANCIAL COMPANYIndependent Mortgage Company | Strong | Sound | Strong | Strong | $2,572Fees | 0.286%Above | 216 | |
45 | SRP Federal Credit UnionCredit Union | Strong | Sound | Strong | Strong | $2,828Fees | 0.149%Below | 176 | |
46 | Synovus BankBank | Strong | Sound | Strong | Strong | $1,567Fees | 0.081%Above | 172 | |
47 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $2,931Fees | 0.566%Above | 1,646 | |
48 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $3,602Fees | 0.538%Above | 1,294 | |
49 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $3,090Fees | 0.491%Above | 929 |
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.