Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Wells Fargo Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $1,976Fees | 0.087%Above | 811 | |
2 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Exceptional | $1,122Fees | 0.504%Below | 1,017 | |
3 | Bank of America, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,517Fees | 0.056%Below | 600 | |
4 | STATE EMPLOYEES'Credit Union | Exceptional | Exceptional | Exceptional | Strong | Strong | $2,173Fees | 0.714%Below | 250 | |
5 | U.S. Bank National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $458Fees | 0.112%Above | 238 | |
6 | First-Citizens Bank & Trust CompanyBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,420Fees | 0.007%Above | 1,145 | |
7 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,464Fees | 0.270%Above | 782 | |
8 | Truist BankBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,077Fees | 0.109%Above | 628 | |
9 | First Reliance BankBank | Exceptional | Strong | Strong | Strong | Exceptional | $1,719Fees | 0.106%Above | 679 | |
10 | Fifth Third Bank, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $174Fees | 0.026%Below | 416 | |
11 | Synovus BankBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,567Fees | 0.081%Above | 172 | |
12 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,996Fees | 0.306%Above | 5,799 | |
13 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,852Fees | 0.090%Above | 3,809 | |
14 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,380Fees | 0.337%Above | 3,120 | |
15 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,889Fees | 0.218%Above | 1,294 | |
16 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,981Fees | 0.078%Above | 919 | |
17 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,554Fees | 0.347%Above | 814 | |
18 | First Palmetto BankBank | Exceptional | Strong | — | Strong | Exceptional | $1,110Fees | 0.037%Above | 432 | |
19 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,798Fees | 0.017%Above | 560 | |
20 | Renasant BankBank | Strong | Sound | Exceptional | Strong | Strong | $2,335Fees | 0.237%Above | 432 | |
21 | TD Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $617Fees | 0.228%Above | 379 | |
22 | First National Bank of PennsylvaniaBank | Strong | Sound | Exceptional | Strong | Strong | $1,194Fees | 0.007%Above | 366 | |
23 | SOUTH CAROLINA FEDERAL CREDIT UNIONCredit Union | Strong | Sound | Strong | Strong | Exceptional | $3,462Fees | 0.053%Above | 358 | |
24 | Regions BankBank | Strong | Sound | Exceptional | Strong | Strong | $2,326Fees | 0.105%Above | 341 | |
25 | First Community BankBank | Strong | Sound | Strong | Strong | Exceptional | $2,677Fees | 0.244%Above | 273 | |
26 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,166Fees | 0.363%Above | 1,879 | |
27 | Ameris BankBank | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,896Fees | 0.184%Above | 1,480 | |
28 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,602Fees | 0.538%Above | 1,294 | |
29 | SouthState Bank, National AssociationBank | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,899Fees | 0.213%Above | 1,165 | |
30 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,369Fees | 0.525%Above | 1,062 | |
31 | ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,164Fees | 0.452%Above | 838 | |
32 | Atlantic Coast Mortgage, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $3,899Fees | 0.320%Above | 256 | |
33 | American Security Mortgage Corp.Independent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $2,041Fees | 0.138%Above | 242 | |
34 | Southern First BankBank | Strong | Acceptable | Strong | Strong | Exceptional | $1,788Fees | 0.221%Above | 517 | |
35 | CAROLINA ONE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $3,094Fees | 0.237%Above | 470 | |
36 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $3,072Fees | 0.595%Above | 622 | |
37 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $3,462Fees | 0.632%Above | 468 | |
38 | Coastal Carolina National BankBank | Strong | Acceptable | — | Strong | Strong | $1,321Fees | 0.701%Above | 186 | |
39 | Flagstar Bank, N.A.Bank | Sound | Mediocre | Exceptional | Sound | Strong | $2,228Fees | 0.285%Above | 476 | |
40 | United Community BankBank | Sound | Mediocre | Strong | Sound | Strong | $2,342Fees | 0.377%Above | 225 |
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.