Safe Rate Rankings
Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Suncoast Credit UnionCredit Union | Exceptional | Exceptional | Strong | Strong | Exceptional | $751Credit | 0.884%Below | 501 | |
2 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $805Fees | 0.527%Below | 398 | |
3 | PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,811Fees | 0.055%Below | 145 | |
4 | Truist BankBank | Exceptional | Strong | Exceptional | Strong | Strong | $697Fees | 0.064%Above | 257 | |
5 | Bank of America, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $2,005Fees | 0.052%Below | 219 | |
6 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,374Fees | 0.035%Below | 182 | |
7 | TrustCo BankBank | Exceptional | Exceptional | Strong | Sound | Strong | $1,326Fees | 0.236%Below | 95 | |
8 | NJ LENDERS CORP.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $5,041Fees | 0.209%Above | 76 | |
9 | Wells Fargo Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $1,873Fees | 0.003%Above | 206 | |
10 | HANCOCK WHITNEY BANKBank | Exceptional | Strong | Strong | Strong | Strong | $1,788Fees | 0.027%Below | 105 | |
11 | Grow Financial Federal Credit UnionCredit Union | Exceptional | Exceptional | Sound | Sound | Strong | $1,173Fees | 0.929%Below | 88 | |
12 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,399Fees | 0.235%Above | 4,381 | |
13 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,496Fees | 0.256%Above | 2,421 | |
14 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,943Fees | 0.321%Below | 564 | |
15 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $2,431Fees | 0.162%Above | 479 | |
16 | GERSHMAN INVESTMENT CORP.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,155Fees | 0.432%Above | 170 | |
17 | MIDFLORIDACredit Union | Strong | Strong | Strong | Sound | Strong | $1,180Fees | 0.007%Below | 128 | |
18 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,369Fees | 0.896%Below | 127 | |
19 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Strong | Strong | Sound | Strong | $3,379Fees | 0.087%Above | 125 | |
20 | First Horizon BankBank | Strong | Sound | Exceptional | Strong | Strong | $1,217Fees | 0.049%Above | 112 | |
21 | SouthState Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $3,170Fees | 0.286%Above | 107 | |
22 | Fifth Third Bank, National AssociationBank | Strong | Strong | Exceptional | Sound | Sound | $591Fees | 0.088%Above | 74 | |
23 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,956Fees | 0.467%Above | 717 | |
24 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Sound | Exceptional | $2,936Fees | 0.019%Above | 711 | |
25 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $1,356Fees | 0.185%Above | 402 | |
26 | MATTAMY HOME FUNDING, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $895Fees | 0.449%Above | 230 | |
27 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,580Fees | 0.306%Above | 84 | |
28 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,883Fees | 0.034%Above | 524 | |
29 | M/I FINANCIAL, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $4,460Fees | 0.221%Below | 505 | |
30 | Regions BankBank | Strong | Acceptable | Exceptional | Strong | Strong | $2,215Fees | 0.111%Above | 413 | |
31 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,747Fees | 0.461%Above | 400 | |
32 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,925Fees | 0.386%Above | 338 | |
33 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,336Fees | 0.115%Above | 326 | |
34 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,728Fees | 0.445%Above | 278 | |
35 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,982Fees | 0.572%Above | 276 | |
36 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,807Fees | 0.509%Above | 260 | |
37 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,698Fees | 0.298%Above | 236 | |
38 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,523Fees | 0.292%Above | 193 | |
39 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,886Fees | 0.304%Above | 185 | |
40 | Flagstar Bank, N.A.Bank | Strong | Acceptable | Exceptional | Strong | Strong | $3,291Fees | 0.435%Above | 174 | |
41 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,548Fees | 0.743%Above | 159 | |
42 | Plains Commerce BankBank | Strong | Acceptable | Exceptional | Strong | Strong | $2,916Fees | 0.527%Above | 153 | |
43 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,472Fees | 0.309%Above | 144 | |
44 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,742Fees | 0.354%Above | 122 | |
45 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,453Fees | 0.356%Above | 98 | |
46 | GoodLeap, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $3,871Fees | 0.246%Below | 86 | |
47 | NEWREZ LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $2,662Fees | 0.326%Above | 468 | |
48 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $4,292Fees | 0.623%Above | 328 | |
49 | HOMEOWNERS FINANCIAL GROUP USA, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $3,907Fees | 0.575%Above | 123 | |
50 | MICHIGAN MUTUAL, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $3,094Fees | 0.461%Above | 72 |
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.